| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SEVICES INC | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $15K | $3K | $19K | 2.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | PO BOX 436869 LOUISVILLE, KY 402536869 | THE DENTAL CONCERN, INC. | $7K | $3K | $10K | 13.42% |
| SWALLOWS, RALPH E3 | KENTUCKY FINANCIAL GROUP 2225 LEXINGTON RD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.92% |
| SWALLOWS, RALPH E3 | KENTUCKY FINANCIAL GROUP 2225 LEXINGTON RD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.47% |
| SWALLOWS, RALPH E3 | KENTUCKY FINANCIAL GROUP 2225 LEXINGTON RD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.60% |
| SWALLOWS, RALPH E3 Filed as: SWALLOWS, RALPH, E | KENTUCKY FINANCIAL GROUP 2225 LEXINGTON RD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $827 | — | $827 | 3.60% |
| DIVERSIFIED INSURANCE3 Filed as: DIVERSIFIED BENEFITS INC | 406 BLANKENBAKER PKWY STE C2 LOUISVILLE, KY 40243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.20% |
| HATZEL INSURANCE INC3 | 406 BLANKBAKER PKWY STE C2 LOUISVILLE, KY 40243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $425 | — | $425 | 3.95% |
| STEVEN JOSEPH MILLER3 | 1404 BROWNS LANE #D LOUISVILLE, KY 40207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DR, STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.15% |
| LAURIE H LINKER3 | 6401 WALNUT RIDGE TRAIL PROSPECT, KY 40059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.14% |
| WILLIAM L ALTMAN3 Filed as: WILLIAM E TAYLOR | 1404 BROWNS LANE, STE D LOUISVILLE, KY 40207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 211 | $840K |
| Dental | THE DENTAL CONCERN, INC. | 122 | $73K |
| Vision | THE DENTAL CONCERN, INC. | 122 | $73K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $96K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $39K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.