| 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 | $36K | — | $36K | 0.10% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $14K | $845 | $15K | 0.04% |
| 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 | $2K | $48 | $2K | 0.01% |
| 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 | $1K | — | $1K | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $650 | — | $650 | 0.00% |
| 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 | $499 | — | $499 | 0.00% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $385 | — | $385 | 0.00% |
| ADMINISTRATIVE SERVICES GROUP3 | 333 W. VINE STREET, SUITE 500 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | — | $12K | $12K | 3.54% |
| ACORDIA OF LEXINGTON3 | 333 W. VINE STREET, 500 LEXINGTON, KY 405071622 | CIGNA GROUP INSURANCE | $626 | — | $626 | 20.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FISERV/ASGI EIN 31-1558779 NONE | Contract Administrator Service code 13 | — | $625K |
| PNC INSTITUTIONAL INVESTMENTS NONE | Investment advisory (plan) Service code 27 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $29K |
| DEAN DORTON ALLEN FORD, PLLC EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | — | $19K |
| WELLS FARGO EIN 56-1882208 NONE | Insurance agents and brokers Service code 22 | — | $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 | 7,343 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,343 | 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 | 6,204 | $35.6M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 6,204 | $36.2M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 6,204 | $35.6M |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,454 | $346K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 1,454 | $344K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,454 | $344K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,454 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,204 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.