| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 100 EAST RIVERCENTER BOULEVARD SUITE 800 COVINGTON, KY 41011 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $37K | $478 | $38K | 3.11% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 14.82% |
| CARLA CARR3 Filed as: CARLA R CARR | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $1K | $92 | $1K | 5.55% |
| MELISSA S SHNIDER3 Filed as: MELISSA SUE SHNIDER | 3000 WOLF CREEK WAY BURLINGTON, KY 41005 | AFLAC | $640 | $36 | $676 | 2.69% |
| MJ INSURANCE3 Filed as: DANIAL E CARR AND VARIOUS AGENTS | 10578 WILLIAMSWOODS DRIVE INDEPENDENCE, KY 41051 | AFLAC | $429 | $0 | $429 | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 309 WEBSTER STREET DAYTON, OH 45402 | AFLAC | $342 | $0 | $342 | 1.36% |
| MATTHEW D SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $264 | $36 | $300 | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $201 | $0 | $201 | 0.80% |
| SANDRA OBER3 | 2639 UPPER 5 MILE ROAD WILLIAMSBURG, OH 45176 | AFLAC | $134 | $20 | $154 | 0.61% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 227 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 227 | $1.2M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 227 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $75K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $75K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $75K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 227 | $1.2M |
| Other | AFLAC | 24 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.