| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FSAB LLC3 | 136 BRECKENRIDGE LANE LOUISVILLE, KY 40207 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $67K | — | $67K | 5.52% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES INC | 401 W MAIN ST STE 1 LOUISVILLE, KY 40202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.16% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES INC | PO BOX 70129 LOUISVILLE, KY 40270 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | $389 | $5K | 9.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $445 | — | $445 | 0.86% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 208 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 205 | $52K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 205 | $52K |
| Life insurance | STANDARD INSURANCE COMPANY | 170 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 170 | $65K |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 208 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.