| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KY, INC | $59K | — | $59K | 1.94% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 16.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE RTE 35 SUITE 360 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS GRP, LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE RD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 16.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS GROUP, LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $758 | — | $758 | 1.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 16.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS GRP, LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $650 | — | $650 | 1.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | — | $6K | 21.45% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $630 | $630 | 5.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS GRP, LLC | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $126 | — | $126 | 1.00% |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC | 386 | $3.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 496 | $103K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 463 | $27K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 439 | $116K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $76K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $65K |
| Prescription drug | ANTHEM HEALTH PLANS OF KY, INC | 386 | $3.0M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 439 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.