| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $40K | $4K | $44K | 3.07% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 15.57% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 9.99% |
| CARLA CARR3 Filed as: CARLA R. CARR | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $1K | $131 | $1K | 5.17% |
| MELISSA S SHNIDER3 Filed as: MELISSA SUE SHNIDER | 3000 WOLF CREEK WAY BURLINGTON, KY 41005 | AFLAC | $613 | $23 | $636 | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 309 WEBSTER STREET DAYTON, OH 45402 | AFLAC | $362 | $0 | $362 | 1.40% |
| MJ INSURANCE3 Filed as: JAMIE MASON GAUDET AND OTHER AGENTS | 3923 WEST WAPOOT STREET MERIDIAN, ID 83646 | AFLAC | $362 | $0 | $362 | 1.40% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $251 | $23 | $274 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $124 | $0 | $124 | 0.48% |
| DANIEL E. CARR3 | 10578 WILLIAMSWOOD DRIVE INDEPENDENCE, KY 41051 | AFLAC | $63 | $0 | $63 | 0.24% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 219 | $1.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 235 | $53K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 219 | $1.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $81K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $81K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $81K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 219 | $1.4M |
| Other | AFLAC | 23 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.