| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $332K | $2K | $335K | 0.91% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $203K | $23K | $226K | 0.62% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $191K | $0 | $191K | 0.52% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $47K | $0 | $47K | 0.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 200 W. VINE ST, STE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $41K | $5K | $46K | 0.13% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $39K | $0 | $39K | 0.11% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $21K | $4K | $25K | 0.07% |
| THE LIFE ASSOCIATES INC3 Filed as: THE LIFE ASSOCIATES | PO BOX 226 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $12K | $0 | $12K | 0.03% |
| MORGAN TREVATHAN GUNN INC3 Filed as: MORGAN TREVATHAN GUNN | PO BOX 487 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $11K | $0 | $11K | 0.03% |
| WESTERN RIVERS CORP3 | 703 JEFFERSON STREET PADUCAH, KY 42001 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $9K | $0 | $9K | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $6K | $0 | $6K | 0.02% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $5K | $1K | $6K | 0.02% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS AND ASSOC LLC | 2660 OLIVET CHURCH RD, STE 1 PADUCAH, KY 42001 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $718 | $4K | $5K | 0.01% |
| MCCONNELL INSURANCE AGENCY SERVICES3 Filed as: MCCONNELL INSURANCE | PO BOX 795 MURRAY, KY 42071 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $5K | $0 | $5K | 0.01% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $5K | $0 | $5K | 0.01% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVE LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $2K | $0 | $2K | 0.01% |
| NELSON INSURANCE AGENCY3 | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $2K | $0 | $2K | 0.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | PO BOX 221649 LOUISVILLE, KY 40252 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $1K | $0 | $1K | 0.00% |
| ERIN L ALICNA3 | PO BOX 1056 ELIZABETHTOWN, KY 42702 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $310 | $0 | $310 | 0.00% |
| MAVERICK INSURANCE GROUP LLC3 | 1214 N MAYO TRAIL STE 100 PIKEVILLE, KY 41501 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $300 | $0 | $300 | 0.00% |
| ADMINISTRATIVE SERVICES GROUP3 | 333 W. VINE STREET, SUITE 500 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | — | $13K | $13K | 3.56% |
| PROFESSIONAL ADMIN LTD3 | 333 W. VINE STREET, 500 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ACORDIA OF LEXINGTON3 | 333 W. VINE STREET, 500 LEXINGTON, KY 405071622 | CIGNA GROUP INSURANCE | $819 | — | $819 | 20.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FISERV/ASGI EIN 31-1558779 NONE | Contract Administrator Service code 13 | — | $595K |
| PNC INSTITUTIONAL INVESTMENTS NONE | Investment advisory (plan) Service code 27 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $34K |
| WELLS FARGO EIN 56-1882208 NONE | Insurance agents and brokers Service code 22 | — | $17K |
| DEAN DORTON ALLEN FORD, PLLC EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| 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 | 6,456 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 5,275 | $36.6M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 5,275 | $37.2M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 5,275 | $36.6M |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,454 | $354K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 1,454 | $351K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,454 | $351K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,454 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,275 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.