| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $30K | $232 | $30K | 3.31% |
| MCQUEEN ASSOCIATES3 | UNKNOWN LONDON, KY 40741 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.55% |
| CURTIS SCHWARTZ3 | 388 SHERMAN AVENUE LEXINGTON, KY 40502 | AFLAC | $177 | $0 | $177 | 2.76% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH AND OTHER AGENTS | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $134 | $0 | $134 | 2.09% |
| LINDSEY HOSKINS3 | 801 EAST BRANNON ROAD, UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $93 | $0 | $93 | 1.45% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 141 PROSPEROUS PLACE, SUITE 26 LEXINGTON, KY 40509 | AFLAC | $54 | $0 | $54 | 0.84% |
| THOMAS A MORRIS AND ASSOC INC3 Filed as: THOMAS A. MORRIS AND ASS., INC. | 2322 PATCHEN WILKES DRIVE LEXINGTON, KY 40509 | AFLAC | $52 | $0 | $52 | 0.81% |
| LINDA HOPKINS3 | 201 HIGHLAND TERRACE HIGHLAND HEIGHTS, KY 41076 | AFLAC | $50 | $0 | $50 | 0.78% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BENNETT | 326 COLONY DRIVE VERSAILLES, KY 40383 | AFLAC | $46 | $0 | $46 | 0.72% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 144 | $915K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 144 | $915K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 144 | $915K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 136 | $44K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 136 | $44K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 136 | $44K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 144 | $915K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 136 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.