| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $32K | $32K | 0.54% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $26K | — | $26K | 7.12% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 10.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 15.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $748 | $4K | 9.56% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 405042649 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.90% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 28.38% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40509 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 27.00% |
| STAR ROBBINS3 Filed as: STAR ROBBINS AND COMPANY | P.O. BOX 1007 LONDON, KY 40743 | TRANSAMERICA LIFE INSURANCE COMPANY | $180 | — | $180 | 1.37% |
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 | 1,174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,466 | $6.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,212 | $359K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,466 | $6.0M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,174 | $179K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 382 | $132K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $84K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,174 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,466 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.