| 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. | $24K | $47 | $24K | 3.61% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION RD, STE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 10.64% |
| 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 | 9.15% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | P.O. BOX 221649 LOUISVILLE, KY 40252 | ANTHEM LIFE INSURANCE COMPANY | $184 | — | $184 | 0.99% |
| 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 | $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 | $633 | — | $633 | 10.00% |
| 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 | $277 | — | $277 | 15.01% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA DOEPKE | 10733 WORTHINGTON LN PROSPECT, KY 40059 | AFLAC | $2K | $914 | $3K | — |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTION AGENCY LLC | 9700 ORMSBY STATION RD, STE 200 LOUISVILLE, KY 40223 | AFLAC | $3K | — | $3K | — |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY INC. | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | AFLAC | $818 | — | $818 | — |
| BRYAN ALARCON3 | 205 MACINTOSH DRIVE SHELBYVILLE, KY 40065 | AFLAC | $714 | $60 | $774 | — |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $690 | — | $690 | — |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $502 | $135 | $637 | — |
| KIRK HASTINGS3 | 8707 CHETWOOD TRACE DRIVE LOUISVILLE, KY 40299 | AFLAC | $299 | $135 | $434 | — |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5905 E. GALBRAITH RD, STE 5000 CINCINNATI, OH 45236 | AFLAC | $58 | — | $58 | — |
| TIFFANY ANN AKERS3 Filed as: TIFFANY AKERS | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $40 | — | $40 | — |
| DAVID HUGHES3 | 2806 SATSUMA DR SARASOTA, FL 34239 | AFLAC | $40 | — | $40 | — |
| SETH O AKERS3 Filed as: SETH AKERS | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $39 | — | $39 | — |
| DAVID LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $32 | — | $32 | — |
| ALYSSA ALVEY3 | 12601 TOWNEPARK WAY LOUISVILLE, KY 40243 | AFLAC | $24 | — | $24 | — |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE RD STE 606 DAYTONA BEACH, FL 32114 | AFLAC | $18 | — | $18 | — |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $14 | — | $14 | — |
| THERESA J SMITH3 Filed as: THERESA SMITH | 18411 STANDWICK DRIVE LOUISVILLE, KY 40245 | AFLAC | $10 | — | $10 | — |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $8 | — | $8 | — |
| PAUL WEST3 | 815 W MARKET ST #607 LOUISVILLE, KY 40202 | AFLAC | $4 | — | $4 | — |
| AMY JOHANNEMANN3 | P.O. BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $4 | — | $4 | — |
| CLAIRE LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $3 | — | $3 | — |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $3 | — | $3 | — |
| DENNIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $2 | — | $2 | — |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | P.O. BOX 206 N MIDDLETOWN, KY 40357 | AFLAC | $1 | — | $1 | — |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 161 | $670K |
| Dental | DELTA DENTAL OF KENTUCKY | 185 | $42K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 161 | $670K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 138 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 49 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 68 | $11K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 61 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.