| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HARTFORD LIFE AND ACCIDENT | $109K | $44K | $152K | 10.25% |
| STARLENA A ROBBINS3 Filed as: STARLENA ROBBINS | P.O. BOX 3337 LONDON, KY 40743 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 0.67% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $12K | — | $12K | 1.17% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 1.19% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO-LESSENBERRY INS AGENCY, INC. | P.O. BOX 1899 GLASGOW, KY 42142 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | — | $1K | 0.59% |
| EM FORD OF GLASGOW LLC3 Filed as: EM FORD OF GLASGOW, LLC | P.O. BOX 1899 GLASGOW, KY 42142 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $435 | — | $435 | 0.21% |
No Schedule C service providers reported on this filing.
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 | 2,098 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 3,643 | $1.1M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 3,094 | $210K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,984 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,984 | $1.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,984 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,643 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.