| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM LIFE INSURANCE COMPANY | $29K | $25K | $53K | 8.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $118K | $622 | $119K | 20.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 TPA/NETWORK/PBM | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Other fees Service code 12 | — | $946K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,424 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 3,020 | $787K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,748 | $581K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,424 | $607K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,424 | $607K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,748 | $581K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 1,424 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,020 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.