| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD, STE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $31K | — | $31K | 3.93% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION RD, STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $22 | — | $22 | 0.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | P.O. BOX 221649 LOUISVILLE, KY 40252 | LIFE INSURANCE COMPANY OF NA DBA NY LIFE GRP BENEFIT SOLUTIONS | $2K | — | $2K | 6.66% |
| FOUNDATION RISK PARTNERS CORP3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | AFLAC | $2K | — | $2K | 6.38% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA DOEPKE | 6312 MISTFLOWRE CIRCLE PROSPECT, KY 40059 | AFLAC | $935 | $13 | $948 | 3.15% |
| AMBER NICOLE RICHARDSON3 Filed as: AMBER RICHARDSON SMITH | 5836 BROOKS HILL ROAD BROOKS, KY 40109 | AFLAC | $787 | $58 | $845 | 2.81% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $353 | — | $353 | 1.17% |
| KIRK HASTINGS3 | 8707 CHETWOOD TRACE DRIVE LOUISVILLE, KY 40299 | AFLAC | $231 | — | $231 | 0.77% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $200 | — | $200 | 0.66% |
| AMY JOHANNEMANN3 | P.O. BOX 688 FRENCH LICK, IN 47432 | AFLAC | $192 | — | $192 | 0.64% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | AFLAC | $76 | $16 | $92 | 0.31% |
| TIFFANY ANN AKERS3 Filed as: TIFFANY AKERS | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $39 | $10 | $49 | 0.16% |
| BRYAN ALARCON3 | 205 MACINTOSH DRIVE SHELBYVILLE, KY 40065 | AFLAC | $31 | — | $31 | 0.10% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $30 | — | $30 | 0.10% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $28 | — | $28 | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5905 E. GALBRAITH RD, STE 5000 CINCINNATI, OH 45236 | AFLAC | $26 | — | $26 | 0.09% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM | 903 TAMARISK COURT LOUISVILLE, KY 40223 | AFLAC | $24 | — | $24 | 0.08% |
| SETH O AKERS3 Filed as: SETH AKERS | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $21 | — | $21 | 0.07% |
| DAVID HUGHES3 | 2806 SATSUMA DR SARASOTA, FL 34239 | AFLAC | $20 | — | $20 | 0.07% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $18 | — | $18 | 0.06% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT LOUISVILLE, KY 40059 | AFLAC | $11 | — | $11 | 0.04% |
| LAURA MARIE GOVANUS3 Filed as: LAURA GOVANUS | 2045 WREN ROAD NEW ALBANY, IN 47150 | AFLAC | $5 | — | $5 | 0.02% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $2 | — | $2 | 0.01% |
| MARK GALVIN LLC3 Filed as: MARK GALVIN | 130 WATERSIDE DRIVE ELIZABETHTOWN, KY 42701 | 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% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | P.O. BOX 221649 LOUISVILLE, KY 40252 | LIFE INSURANCE COMPANY OF NA DBA NY LIFE GRP BENEFIT SOLUTIONS | $4K | — | $4K | 15.74% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD, STE 200 WALNUT CREEK, CA 94598 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 9.94% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | P.O. BOX 221649 LOUISVILLE, KY 40252 | LIFE INSURANCE COMPANY OF NA DBA NY LIFE GRP BENEFIT SOLUTIONS | $988 | — | $988 | 9.24% |
| 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 | $180 | $0 | $180 | 5.65% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | P.O. BOX 221649 LOUISVILLE, KY 40252 | LIFE INSURANCE COMPANY OF NA DBA NY LIFE GRP BENEFIT SOLUTIONS | $368 | — | $368 | 13.83% |
| 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 | $208 | — | $208 | 15.02% |
| 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 | $70 | — | $70 | 9.94% |
| 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 | $27 | — | $27 | 15.17% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 176 | $787K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 176 | $787K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 176 | $787K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NA DBA NY LIFE GRP BENEFIT SOLUTIONS | 144 | $64K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NA DBA NY LIFE GRP BENEFIT SOLUTIONS | 48 | $11K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NA DBA NY LIFE GRP BENEFIT SOLUTIONS | 89 | $27K |
| Other(8 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NA DBA NY LIFE GRP BENEFIT SOLUTIONS | 144 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
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.