| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FSAB LLC3 | 136 BRECKENRIDGE LANE SUITE 101 LOUISVILLE, KY 40207 | ANTHEM BLUE CROSS BLUE SHIELD | $1.3M | $128 | $1.3M | 4.03% |
| BENFIC ADMIN SOLUTIONS LLC5 | 136 BRECKENRIDGE LANE SUITE 101 LOUISVILLE, KY 40207 | ANTHEM BLUE CROSS BLUE SHIELD | $0 | $383K | $383K | 1.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | ANTHEM BLUE CROSS BLUE SHIELD | $104K | $1K | $105K | 0.33% |
| SKYLINE TERRACE LLC3 | 1246 S 3RD STREET LOUISVILLE, KY 40203 | ANTHEM BLUE CROSS BLUE SHIELD | $36K | $624 | $36K | 0.11% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING THOMPSON COMPANY | 401 W MAIN STREET LOUISVILLE, KY 40202 | ANTHEM BLUE CROSS BLUE SHIELD | $36K | $21 | $36K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM BLUE CROSS BLUE SHIELD | $16K | $0 | $16K | 0.05% |
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 | 5,171 | 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) | 5,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 5,171 | $31.7M |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 5,171 | $31.7M |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 5,171 | $31.7M |
| Life insurance | ANTHEM BLUE CROSS BLUE SHIELD | 5,171 | $31.7M |
| Short-term disability | ANTHEM BLUE CROSS BLUE SHIELD | 5,171 | $31.7M |
| Long-term disability | ANTHEM BLUE CROSS BLUE SHIELD | 5,171 | $31.7M |
| Prescription drug | ANTHEM BLUE CROSS BLUE SHIELD | 5,171 | $31.7M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS BLUE SHIELD | 5,171 | $31.7M |
| Other | ANTHEM BLUE CROSS BLUE SHIELD | 5,171 | $31.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,171 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.