| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $32K | $2K | $34K | 4.02% |
| CRYSTAL MESSER-MCQUEEN ASSOCIATES3 | UNKNOWN LONDON, KY 40741 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.67% |
| CURTIS SCHWARTZ3 | 599 CHESTNUT STREET BEREA, KY 40403 | AFLAC | $319 | $0 | $319 | 2.63% |
| LINDSEY HOSKINS3 | 801 EAST BRANNON ROAD, UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $238 | $0 | $238 | 1.96% |
| ROGER L BENNETT3 Filed as: ROGER L. BENNETT AND OTHER AGENTS | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $235 | $0 | $235 | 1.94% |
| THOMAS A MORRIS AND ASSOC INC3 Filed as: THOMAS A. MORRIS AND ASSOC., INC. | 2322 PATCHEN WILKES DRIVE LEXINGTON, KY 40509 | AFLAC | $113 | $0 | $113 | 0.93% |
| LAURA BETH KELLER | 141 PROSPEROUS PLACE, SUITE 26 LEXINGTON, KY 40509 | AFLAC | $105 | $0 | $105 | 0.87% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $63 | $0 | $63 | 0.52% |
| RALPH E HOPKINS3 Filed as: RALPH E. HOPKINS | PO BOX 606 GEORGETOWN, KY 40324 | AFLAC | $60 | $0 | $60 | 0.49% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 139 | $850K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 139 | $850K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 139 | $850K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 157 | $58K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 157 | $58K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 157 | $58K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 139 | $850K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 157 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.