| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 0.89% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $17K | — | $17K | 12.90% |
| MCCONNELL INSURANCE AGENCY SERVICES3 | 518 S 12TH STREET MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $115 | $3K | 3.99% |
| ANGELA K ROWLETT LAMPE3 | 4384 VAN CLEAVE ROAD MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $13 | $2K | 2.88% |
| KING INSURANCE AGENCY3 Filed as: KING INSURANCE SERVICES, INC | 703 JEFFERSON STREET PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $856 | — | $856 | 1.32% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS, LLC | 2785 MAYFIELD HIGHWAY BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | $43 | $566 | 0.88% |
| ANDREW THOMAS DONOHOO3 | 515 SHADY LANE MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $22 | $422 | 0.65% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | — | $203 | 0.31% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOCIATES, LLC | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.29% |
| BEVERLY J REED3 | 163 HARRISON ROAD BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 0.24% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.22% |
| SUSAN MAE DANIEL3 | 205 MORNINGSIDE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.10% |
| FRANKIE GLEE WILLIAMS3 | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.05% |
| AMY BOWMAN3 | 6214 SULPHUR WELL NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| LESLIE ANN FEATHERLY3 | 134 SUNNINGDALE DRIVE GEORGETOWN, KY 40324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MCCONNELL INSURANCE AGENCY SERVICES3 Filed as: MCCONNELL INS AGENCY SERVICES INC | PO BOX 795 MURRAY, KY 42071 | COMPANION LIFE INSURANCE COMPANY | $2K | $10 | $2K | 11.25% |
| PLANCHOICE INC3 Filed as: PLANCHOICE, INC. | 13257 O'BANNON STATION WAY LOUISVILLE, KY 40223 | COMPANION LIFE INSURANCE COMPANY | $831 | — | $831 | 5.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 TPA/NETWORK PHARMACY | Float revenue; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees Service code 12 | — | $193K |
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 | 342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 674 | $168K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 342 | $198K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 93 | $65K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 342 | $133K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 402 | $353K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 93 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.