| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE WHOLESALE INSURANCE SERVI3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $85K | — | $85K | 0.94% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 100 E. RIVERCENTER BLVD. SUITE 800 COVINGTON, KY 41011 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.25% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 18.06% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 179 FAIRFIELD AVE BELLEVUE, KY 41073 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.98% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR. STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $643 | $643 | 0.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N. WHITTINGTON PARKWAY STE 300 LOUISVILLE, KY 40222 | PRINCIPAL LIFE INSURANCE COMPANY | — | $598 | $598 | 0.91% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 100 E. RIVERCENTER BLVD. SUITE 800 COVINGTON, KY 41011 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 | 100 CROWNE POINT DRIVE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $683 | — | $683 | 11.69% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF KENTUCKY LLC | PO BOX 73125 BELLEVUE, KY 41073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $584 | — | $584 | 9.99% |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 918 | $9.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 357 | $6K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 399 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 103 | $128K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 146 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 918 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.