| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $14K | $3K | $18K | 3.30% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION RD, SUITE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $13K | — | $13K | 2.49% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION RD, SUITE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $955 | — | $955 | 2.62% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $867 | — | $867 | 2.38% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | $1K | $300 | $2K | 7.84% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | P.O. BOX 221649 LOUISVILLE, KY 40252 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | $1K | — | $1K | 5.49% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | $0 | $655 | $655 | 4.53% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | $825 | $117 | $942 | 10.46% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | P.O. BOX 221649 LOUISVILLE, KY 40252 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | $860 | — | $860 | 9.54% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | $297 | $57 | $354 | 7.31% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | P.O. BOX 221649 LOUISVILLE, KY 40252 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | $310 | — | $310 | 6.40% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | $104 | $19 | $123 | 10.85% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | P.O. BOX 221649 LOUISVILLE, KY 40252 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | $106 | — | $106 | 9.35% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 113 | $532K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 76 | $36K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 113 | $532K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 147 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 33 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 50 | $9K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 51 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.