| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | P.O. BOX 221649 LOUISVILLE, KY 40252 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $27K | — | $27K | 4.51% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$2K | — | -$2K | -0.33% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION RD, STE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 18.21% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | AFLAC | $5K | — | $5K | 21.05% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA DOEPKE | 10733 WORTHINGTON LANE LOUISVILLE, KY 40059 | AFLAC | $3K | — | $3K | 14.41% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $844 | — | $844 | 3.70% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $289 | — | $289 | 1.27% |
| KIRK HASTINGS3 | 8707 CHETWOOD TRACE DRIVE LOUISVILLE, KY 40299 | AFLAC | $278 | — | $278 | 1.22% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $70 | — | $70 | 0.31% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5905 E. GALBRAITH RD, STE 5000 CINCINNATI, OH 45236 | AFLAC | $63 | — | $63 | 0.28% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $44 | — | $44 | 0.19% |
| TIFFANY ANN AKERS3 Filed as: TIFFANY AKERS | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $43 | — | $43 | 0.19% |
| DAVID HUGHES3 | 2806 SATSUMA DR SARASOTA, FL 34239 | AFLAC | $43 | — | $43 | 0.19% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE RD STE 606 DAYTONA BEACH, FL 32114 | AFLAC | $19 | — | $19 | 0.08% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $15 | — | $15 | 0.07% |
| THERESA J SMITH3 Filed as: THERESA SMITH | 3521 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $14 | — | $14 | 0.06% |
| SETH O AKERS3 Filed as: SETH AKERS | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $7 | — | $7 | 0.03% |
| CLAIRE LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $4 | — | $4 | 0.02% |
| AMY JOHANNEMANN3 | P.O. BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $4 | — | $4 | 0.02% |
| PAUL WEST3 | 815 W MARKET ST #607 LOUISVILLE, KY 40202 | AFLAC | $3 | — | $3 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $3 | — | $3 | 0.01% |
| DENNIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $2 | — | $2 | 0.01% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | P.O. BOX 206 N MIDDLETOWN, KY 40357 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | $2K | — | $2K | 9.26% |
| 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 | $2K | — | $2K | 15.00% |
| 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 | $598 | — | $598 | 9.99% |
| 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 | $221 | — | $221 | 14.98% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 150 | $597K |
| Dental | DELTA DENTAL OF KENTUCKY | 158 | $35K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 150 | $597K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 127 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 51 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 67 | $11K |
| Other(3 contracts, 2 carriers) | AFLAC | 59 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.