| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENTUCKY HOSPITAL SERVICE CO3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $31K | — | $31K | 1.66% |
| WLA INSURANCE LLC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $329 | $13K | 10.25% |
| KENTUCKY HOSPITAL SERVICE CO3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 17.57% |
| CHAD THOMPSON3 | 2961 TRAILS WAY OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.38% |
| JENNIFER KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 0.37% |
| GARETT J KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| TYLER M TRAVIS3 | 707 LESLIE AVE GLASGOW, KY 42141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | TELADOC | $2K | — | $2K | 15.00% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 274 | $1.9M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 274 | $1.9M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 274 | $1.9M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 149 | $129K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 149 | $129K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 149 | $129K |
| Other(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 274 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.