| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $16K | $4K | $20K | 3.95% |
| KENTUCKY CHAMBER3 Filed as: KENTUCKY CHAMBER OF COMMERCE | 464 CHENAULT ROAD FRANKFORT, KY 40601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 0.47% |
| ARISON INSURANCE SERVICES, INC.3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | — | $1K | 0.23% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$487 | — | -$487 | -0.09% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | — | ANTHEM HEALTH PLANS OF KENTUCKY | $4K | — | $4K | 10.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $52 | $4K | 15.18% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $84 | $2K | 6.97% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $596 | $126 | $722 | 2.87% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | $223 | $607 | 2.41% |
| WILLIAM JACK MITCHELL JR3 | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $95 | $461 | 1.83% |
| DIANE MARIE JARBOE3 | 3013 APACHE DRIVE JEFFERSONVILLE, KY 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $21 | $278 | 1.10% |
| JASON RANKIN3 | 12445 POPLAR WOODS DRIVE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 0.90% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.31% |
| LES BILODEAU3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $31 | $43 | 0.17% |
| MANDY WARD-ROSE3 | 9814 GLENFELL WAY LOUISVILLE, KY 40242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $2 | $32 | 0.13% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $37 | $3K | 15.18% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $828 | $11 | $839 | 15.20% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 157 | $513K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 83 | $39K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 157 | $513K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $20K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.