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| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT. | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $141.6M |
| ANTHEM HEALTH PLANS OF KENTUCKY,INC EIN 61-1237516 ADMINISTRATOR | Other services; Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $7.9M |
| WEX, HEALTH INC. EIN 06-1593514 FSA/HSA/COBRA ADMIN. | Contract Administrator Service code 13 | — | $201K |
| UNUM LIFE INSURANCE COMPANY OF AM. EIN 01-0278678 STD ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
| KENTUCKY HOSPITAL SERVICE CO BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | $0 |
| LOCKTON COMPANIES, LLC BROKER | Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 8110 E UNION, SUITE 700 DENVER, CO 80237 | $0 |
| SKYLINE TERRACE LLC BROKER | Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 1246 S THIRD STREET LOUISVILLE, KY 40203 | $0 |
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 | 14,962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 33,290 | $8.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 28,211 | $1.7M |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50,096 | $15.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,759 | $12.5M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50,096 | $10.9M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 32,257 | $1.4M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50,096 | $17.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,096 | — |
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.