| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOWLER SECURITIES AND BENEFITS3 Filed as: FOWLER SECURITIES AND BENEFITS LLC | 222 E WITHERSPOON STREET 105B LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY | $692K | — | $692K | 3.88% |
| BENEFIC ADMINISTRATIVE SOLUTIONS LL5 Filed as: BENEFIC ADMIN SOLUTIONS LLC | 222 E. WITHERSPOON STREET SUITE 105 B LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY | — | $199K | $199K | 1.12% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE AGENCY LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | ANTHEM HEALTH PLANS OF KENTUCKY | $37K | — | $37K | 0.21% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING THOMPSON COMPANY LLC | 545 S THIRD STREET LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY | $32K | — | $32K | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY | $32K | — | $32K | 0.18% |
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 | 4,493 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY | 4,493 | $17.8M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 4,493 | $17.8M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY | 4,493 | $17.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,493 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.