| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY INC. | 13101 MAGISTREIAL DR. STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $9K | — | $9K | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS INC | 2850 GOLF RD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VA INC. | 11220 ASSET LOOD, SUITE 104 MANASSSAS, VA 20109 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $838 | $838 | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY INC. | 13101 MAGISTREIAL DR. STE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 5.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS INC | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $933 | $4K | 4.11% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH A. SCHENK | 4275 W SAND LAKE RD STE. 300 ORLANDO, FL 32819 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $3K | $3K | 3.54% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 193 | $564K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 193 | $564K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 193 | $564K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 239 | $92K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 239 | $92K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 239 | $92K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 239 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.