| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOWLER SECURITIES AND BENEFITS3 Filed as: FOWLER SECRUTIES & BENEFITS | 620 S. 3RD STREET STE 102 LOUISVILLE, KY 40202 | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | $265K | $38K | $303K | 2.81% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G THOMPSON COMPANY | 545 S. THIRD STREET SUITE 300 LOUISVILLE, KY 40202 | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | $67K | $1K | $68K | 0.63% |
| BENEFIC ADMINISTRATIVE SOLUTIONS LL5 | 620 SOUTH THIRD STREET SUITE 602 LOUISVILLE, KY 40202 | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | $0 | $50K | $50K | 0.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD, SUITE 1004 LOUISVILLE, KY 40222 | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | $20K | $500 | $20K | 0.19% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 200 W VINE STREET SUITE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | $5K | $0 | $5K | 0.04% |
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 | 1,881 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | 3,314 | $10.8M |
| Vision | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | 3,314 | $10.8M |
| Life insurance | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | 3,314 | $10.8M |
| Short-term disability | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | 3,314 | $10.8M |
| Long-term disability | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | 3,314 | $10.8M |
| Other | ANTHEM HEALTH INSURANCE PLANS OF KENTUCKY INC | 3,314 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,314 | — |
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.