| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET 200 GREENSBORO, NC 27455 | ANTHEM LIFE INSURANCE COMPANY | $33K | $10K | $43K | 5.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET 200 GREENSBORO, NC 27455 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $2K | $2K | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 18.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 TPA/NETWORK/PBM | Contract Administrator; Claims processing; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.6M |
| MARSH & MCLENNAN AGENCY LLC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $159K |
| INGENIORX, INC. EIN 82-3062245 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Float revenue Service code 12 | — | -$427K |
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 | 1,411 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $59K |
| Dental | DELTA DENTAL OF KENTUCKY | 3,134 | $730K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 3,058 | $688K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,411 | $738K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,411 | $738K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 3,058 | $688K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 1,411 | $738K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,134 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.