| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION RD, STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $11K | $6K | $17K | 2.22% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION RD, STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $15K | — | $15K | 1.97% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 8335 KEYSTONE XING, STE 106 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 9.07% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY INC. | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | AFLAC | $4K | — | $4K | 10.03% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA DOEPKE | 10733 WORTHINGTON LN PROSPECT, KY 40059 | AFLAC | $3K | $443 | $3K | 8.09% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $810 | — | $810 | 2.07% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $512 | $69 | $581 | 1.49% |
| GARRETT SWIFT3 | 532 GATES RD ELIZABETHTOWN, KY 42701 | AFLAC | $459 | — | $459 | 1.18% |
| BRYAN ALARCON3 | 205 MACINTOSH DRIVE SHELBYVILLE, KY 40065 | AFLAC | $165 | $224 | $389 | 1.00% |
| KIRK HASTINGS3 | 8707 CHETWOOD TRACE DRIVE LOUISVILLE, KY 40299 | AFLAC | $276 | — | $276 | 0.71% |
| DAVID WATSON3 | 10300 LINN STATION RD, STE 250 LOUISVILLE, KY 40223 | AFLAC | $81 | — | $81 | 0.21% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $66 | — | $66 | 0.17% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5905 E. GALBRAITH RD, STE 5000 CINCINNATI, OH 45236 | AFLAC | $35 | — | $35 | 0.09% |
| SETH O AKERS3 Filed as: SETH AKERS | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $29 | — | $29 | 0.07% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $28 | — | $28 | 0.07% |
| TIFFANY ANN AKERS3 Filed as: TIFFANY AKERS | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $25 | — | $25 | 0.06% |
| DAVID HUGHES3 | 2806 SATSUMA DR SARASOTA, FL 34239 | AFLAC | $25 | — | $25 | 0.06% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 11226 JORDAN CT PARKER, CO 80134 | AFLAC | $18 | — | $18 | 0.05% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT LOUISVILLE, KY 40059 | AFLAC | $11 | — | $11 | 0.03% |
| MARK GALVIN LLC3 | 130 WATERSIDE DR ELIZABETHTOWN, KY 42701 | AFLAC | $8 | — | $8 | 0.02% |
| DENNIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $2 | — | $2 | 0.01% |
| THERESA J SMITH3 Filed as: THERESA SMITH | 18411 STANDWICK DRIVE LOUISVILLE, KY 40245 | AFLAC | $2 | — | $2 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $2 | — | $2 | 0.01% |
| PAUL WEST3 | 815 W MARKET ST #607 LOUISVILLE, KY 40202 | AFLAC | $1 | — | $1 | 0.00% |
| CLAIRE LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $1 | — | $1 | 0.00% |
| AMY JOHANNEMANN3 | P.O. BOX 68 FRENCH LICK, IN 47432 | 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 | $3K | — | $3K | 8.34% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $596 | — | $596 | 2.74% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | -$184 | — | -$184 | -0.84% |
| 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 | $2K | — | $2K | 15.00% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 8335 KEYSTONE XING, STE 106 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF KENTUCKY - VISION | $1K | — | $1K | 8.32% |
| 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 | $797 | — | $797 | 10.01% |
| 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 | $380 | — | $380 | 15.01% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 175 | $752K |
| Dental | DELTA DENTAL OF KENTUCKY | 201 | $48K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 175 | $766K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 144 | $53K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 47 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 68 | $15K |
| Other(3 contracts, 2 carriers) | AFLAC | 67 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.