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| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY,INC EIN 61-1237516 ADMINISTRATOR | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $4.0M |
| DISCOVERY BENEFITS FSA ADMINISTRATOR | Contract Administrator Service code 13 | 4321 20TH AVENUE S. FARGO, ND 58103 | $487K |
| CVS PHARMACY, INC EIN 05-0340626 ADMINISTRATOR | Contract Administrator Service code 13 | — | $427K |
| VISION SERVICE PLAN EIN 06-1227840 VSP ADMINISTRATOR | Contract Administrator Service code 13 | — | $120K |
| KENTUCKY HOSPITAL SERVICE CO BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | $21K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 STD ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
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 | 12,847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 23,515 | $5.9M |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,847 | $10.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,434 | $6.9M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,847 | $8.0M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 10,465 | $1.1M |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,847 | $10.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,515 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.