No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS ADMINSTRATION | Contract Administrator; Claims processing Service code 12 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $116K |
| STANDARD VALUATIONS EIN 41-1327339 INVESTMENT CONSULTING | Investment advisory (plan) Service code 27 | 790 CLEVELAND AVE. ST. PAUL, MN 55116 | $12K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 AUDITING | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $8K |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 181 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 308 | $522K |
| Vision | VISION SERVICE PLAN | 284 | $39K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 389 | $11K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS BLUE SHIELD | 308 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.