| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION RD, STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $21K | $3K | $25K | 2.91% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD, STE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | — | $7K | 0.85% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY INC. | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | AFLAC | $2K | — | $2K | 5.26% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA DOEPKE | 9500 DEERFOOT TRACE, APT 205 PROSPECT, KY 40059 | AFLAC | $1K | $159 | $2K | 4.61% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $433 | $31 | $464 | 1.29% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $398 | — | $398 | 1.11% |
| AMBER NICOLE RICHARDSON3 Filed as: AMBER SMITH | 5836 BROOKS HILL ROAD BROOKS, KY 40109 | AFLAC | $277 | — | $277 | 0.77% |
| KIRK HASTINGS3 | 8707 CHETWOOD TRACE DRIVE LOUISVILLE, KY 40299 | AFLAC | $255 | — | $255 | 0.71% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | AFLAC | $210 | $37 | $247 | 0.69% |
| FOUNDATION RISK PARTNERS CORP3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | AFLAC | $132 | — | $132 | 0.37% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $76 | $32 | $108 | 0.30% |
| AMY JOHANNEMANN3 | P.O. BOX 688 FRENCH LICK, IN 47432 | AFLAC | $92 | — | $92 | 0.26% |
| TIFFANY ANN AKERS3 Filed as: TIFFANY AKERS | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $85 | — | $85 | 0.24% |
| BRYAN ALARCON3 | 205 MACINTOSH DRIVE SHELBYVILLE, KY 40065 | AFLAC | $62 | — | $62 | 0.17% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $28 | — | $28 | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5905 E. GALBRAITH RD, STE 5000 CINCINNATI, OH 45236 | AFLAC | $26 | — | $26 | 0.07% |
| SETH O AKERS3 Filed as: SETH AKERS | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $21 | — | $21 | 0.06% |
| DAVID HUGHES3 | 2806 SATSUMA DR SARASOTA, FL 34239 | AFLAC | $20 | — | $20 | 0.06% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $18 | — | $18 | 0.05% |
| MARK GALVIN LLC3 | 130 WATERSIDE DR ELIZABETHTOWN, KY 42701 | AFLAC | $14 | — | $14 | 0.04% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT LOUISVILLE, KY 40059 | AFLAC | $11 | — | $11 | 0.03% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | 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% |
| LAURA MARIE GOVANUS3 Filed as: LAURA GOVANUS | 2045 WREN ROAD NEW ALBANY, IN 47150 | AFLAC | $1 | — | $1 | 0.00% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD, STE 200 WALNUT CREEK, CA 94598 | ANTHEM LIFE INSURANCE COMPANY | $641 | — | $641 | 2.77% |
| 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 | 9.68% |
| 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 | 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 | $349 | — | $349 | 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 | $148 | — | $148 | 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 | 110 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 189 | $854K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 189 | $854K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 189 | $854K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 140 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 44 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 75 | $7K |
| Other(3 contracts, 2 carriers) | AFLAC | 67 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.