| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDLINK INC3 Filed as: MEDLINK, INC. | P.O. BOX 23570 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $50K | $10K | $59K | 5.70% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | P.O. BOX 23570 LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $9K | $941 | $10K | 14.82% |
| SHERI L MITCHELL INC3 Filed as: SHERI MITCHELL INC | 540 BIRNAMWOOD DR SUWANEE, GA 30024 | COLONIAL LIFE INSURANCE COMPANY | $156 | — | $156 | 2.21% |
| EDWARD BREWER3 Filed as: EDWARD HODGSON | 267 WEST WIEUCA RD ATLANTA, GA 30342 | COLONIAL LIFE INSURANCE COMPANY | $106 | — | $106 | 1.50% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE INSURANCE COMPANY | $60 | — | $60 | 0.85% |
| JENNIFER SMITH3 | 4920 W. SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE INSURANCE COMPANY | $56 | — | $56 | 0.79% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DR MARIETTA, GA 30068 | COLONIAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.68% |
| AMY E COHEN3 Filed as: AMY COHEN | 19967 VILLA LANTE PL BOCA RATON, FL 33434 | COLONIAL LIFE INSURANCE COMPANY | $40 | $4 | $44 | 0.62% |
| COLONIAL LIFE BROKERAGE LLC3 | 270 CARPENTER DR ATLANTA, GA 30328 | COLONIAL LIFE INSURANCE COMPANY | $17 | $26 | $43 | 0.61% |
| MARIA VERONICA JARQUE3 Filed as: MARIA JARQUE | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE INSURANCE COMPANY | $42 | — | $42 | 0.59% |
| PEACOCK FINANCIALS INC3 | 6990 GRIFFIN RD DAVIE, FL 33314 | COLONIAL LIFE INSURANCE COMPANY | $5 | $22 | $27 | 0.38% |
| LAURIE L SMITH3 Filed as: LAURIE BURNS | 15 CEDARS EDGE CT BLUFFTON, SC 29910 | COLONIAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.21% |
| CAROLE H WARREN3 Filed as: CAROLE WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 325 | $1.0M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 325 | $1.0M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 325 | $1.0M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 217 | $70K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 217 | $70K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 217 | $70K |
| Other | COLONIAL LIFE INSURANCE COMPANY | 9 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.