| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174K | — | $174K | 1.83% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $746K | — | $746K | 13.89% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $626K | — | $626K | 11.66% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $235K | $235K | 5.33% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $267K | — | $267K | 7.34% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $190K | $190K | 5.24% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $228K | — | $228K | 7.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $228K | — | $228K | 7.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102K | — | $102K | 7.31% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $75K | $75K | 5.39% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $271K | — | $271K | 41.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $271K | — | $271K | 41.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | — | $57K | 20.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $4K | $40K | 19.24% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $8K | $27K | 20.42% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 2.89% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 2.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY,INC EIN 61-1237516 ADMINISTRATOR | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing Service code 12 | — | $5.1M |
| CVS PHARMACY, INC EIN 05-0340626 ADMINISTRATOR | Contract Administrator Service code 13 | — | $575K |
| WEX, HEALTH INC. EIN 06-1593514 FSA/HSA ADMINISTRATOR | Contract Administrator Service code 13 | — | $111K |
| KENTUCKY HOSPITAL SERVICE CO BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | $36K |
| LOCKTON COMPANIES, LLC BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 8110 E UNION, SUITE 700 DENVER, CO 80237 | $15K |
| UNUM LIFE INSURANCE COMPANY OF AM. EIN 01-0278678 STD ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
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 | 14,897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 26,973 | $7.3M |
| Vision | HM LIFE INSURANCE COMPANY | 23,369 | $1.2M |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,897 | $8.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,273 | $9.5M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24,417 | $4.8M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 26,024 | $987K |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 26,094 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,973 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.