| 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. | $29K | $2K | $31K | 3.22% |
| MCQUEEN ASSOCIATES3 | UNKNOWN LONDON, KY 40741 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.43% |
| CURTIS SCHWARTZ3 | 388 SHERMAN AVENUE LEXINGTON, KY 40502 | AFLAC | $130 | $0 | $130 | 2.69% |
| BRYAN KEITH FRIZZELL3 Filed as: BRYAN K FRIZZELL AND OTHER AGENTS | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $100 | $0 | $100 | 2.07% |
| LINDSEY HOSKINS3 | 801 EAST BRANNON ROAD UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $72 | $0 | $72 | 1.49% |
| THOMAS W BOSTON3 Filed as: THOMAS A MORRIS AND ASSOCIATES INC | 3312 BRIDLINGTON ROAD LEXINGTON, KY 40509 | AFLAC | $42 | $0 | $42 | 0.87% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $39 | $0 | $39 | 0.81% |
| RALPH E HOPKINS3 | PO BOX 606 GEORGETOWN, KY 40324 | AFLAC | $38 | $0 | $38 | 0.79% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $26 | $0 | $26 | 0.54% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 148 | $969K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 148 | $969K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 148 | $969K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 148 | $35K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 148 | $35K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 148 | $35K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 148 | $969K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 148 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.