| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $26K | $0 | $26K | 3.49% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA A. WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | AFLAC | $7K | $304 | $8K | 16.91% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $1K | $15 | $1K | 3.07% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 1856 TRAVELLER ROAD LEXINGTON, KY 40504 | AFLAC | $619 | $56 | $675 | 1.47% |
| MJ INSURANCE3 Filed as: PAULA C FRIZZELL AND VARIOUS AGENTS | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $663 | $0 | $663 | 1.44% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $490 | $0 | $490 | 1.06% |
| BRIAN S MARTIN3 Filed as: BRIAN S. MARTIN | 3280 BLAZER PARKWAY, SUITE 201 LEXINGTON, KY 40509 | AFLAC | $362 | $41 | $403 | 0.87% |
| PAMELA ROWSEY LARSON3 | 187 PAVILION PARKWAY, SUITE 231 NEWPORT, KY 41071 | AFLAC | $268 | $0 | $268 | 0.58% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $15 | $5K | 13.17% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 213 | $744K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 213 | $744K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 213 | $744K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $40K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 213 | $744K |
| Other(2 contracts, 2 carriers) | AFLAC | 196 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.