| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $44K | $27K | $71K | 6.52% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 0.92% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 2.56% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $997 | $2K | 2.73% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $868 | — | $868 | 1.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $9K | — | $9K | 9.96% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$303 | $5K | $4K | 5.66% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 400 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $762 | — | $762 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 CLAIMS ADMIN/NETWORK | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $205K |
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 | 1,041 | 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) | 1,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,642 | $344K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 1,352 | $86K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 890 | $348K |
| Short-term disability | STANDARD INSURANCE COMPANY | 776 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 776 | $1.1M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,041 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,642 | — |
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.