| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KY INC | $694K | $3K | $697K | 1.16% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM HEALTH PLANS OF KY INC | $239K | $348 | $239K | 0.40% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KY INC | $89K | $2K | $91K | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | ANTHEM HEALTH PLANS OF KY INC | $36K | — | $36K | 0.06% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENT PARTNERS | 550 S 5TH ST STE 101 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KY INC | $25K | — | $25K | 0.04% |
| HIGGINS INSURANCE INC3 | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | ANTHEM HEALTH PLANS OF KY INC | $19K | — | $19K | 0.03% |
| THE LIFE ASSOCIATES INC3 Filed as: LIFE ASSOCIATES, INC | PO BOX 226 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KY INC | $16K | — | $16K | 0.03% |
| RCS INS BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 01982 | ANTHEM HEALTH PLANS OF KY INC | $16K | — | $16K | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KY INC | $13K | $7 | $13K | 0.02% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KY INC | $10K | $17 | $10K | 0.02% |
| RIDDLE INSURANCE3 Filed as: RIDDLE INSURANCE LLC | 245 SOUTH MAIN STREET MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KY INC | $9K | — | $9K | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 WHITTINGTON PKWY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KY INC | $8K | $14 | $8K | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF KY INC | $7K | — | $7K | 0.01% |
| MORGAN TREVATHAN GUNN INC3 | 106 EAST 12TH STREET BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KY INC | $2K | — | $2K | 0.00% |
| ADMINISTRATIVE SERVICES GROUP3 | 333 W VINE ST STE 500 LEXINGTON, KY 40507 | SUN LIFE ASSURANCE CO OF CANADA | $22K | $5K | $27K | 18.39% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - LIFE | $2K | — | $2K | 13.22% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - LIFE | — | $1K | $1K | 6.93% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY - LIFE | — | -$4 | -$4 | -0.02% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE RD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - DENTAL | $543 | — | $543 | 4.05% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE, STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - DENTAL | — | $298 | $298 | 2.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY - DENTAL | $190 | — | $190 | 1.42% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - TEMP DISABILITY | $1K | — | $1K | 18.59% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - TEMP DISABILITY | — | $606 | $606 | 8.34% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - VISION | $172 | — | $172 | 3.68% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - VISION | — | $106 | $106 | 2.27% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY - VISION | $67 | — | $67 | 1.43% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $131 | $34 | $165 | 25.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FISERV/ASGI EIN 31-1558779 NONE | Contract Administrator Service code 13 | — | $561K |
| PNC INSTITUTIONAL INVESTMENTS NONE | Investment advisory (plan) Service code 27 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $36K |
| MILLIMAN NONE | Actuarial Service code 11 | 1301 FIFTH AVENUE, SUITE 3800 SEATTLE, WA 98101 | $26K |
| DEAN DORTON ALLEN FORD, PLLC EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Insurance agents and brokers Service code 22 | — | $19K |
| CENTRAL BANK EIN 31-1558779 NONE | Account maintenance fees Service code 65 | — | $7K |
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 | 6,612 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY INC | 8,152 | $60.3M |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KY INC | 8,152 | $61.0M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KY INC | 8,152 | $60.3M |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE CO OF CANADA | 775 | $164K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE CO OF CANADA | 460 | $155K |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 460 | $148K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 19 | $654 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,152 | — |
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.