| 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 | $296K | $2K | $298K | 0.62% |
| 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 | $230K | $24K | $254K | 0.53% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $215K | $21K | $237K | 0.49% |
| 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 | $66K | $4K | $70K | 0.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $44K | $13K | $57K | 0.12% |
| 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 | $38K | $6K | $44K | 0.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 200 W. VINE ST, STE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $37K | $200 | $38K | 0.08% |
| 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 | $16K | $100 | $16K | 0.03% |
| J CRAIG RIDDLE COMPANY3 | PO BOX 549 MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $7K | $0 | $7K | 0.02% |
| WESTERN RIVERS CORP3 | 703 JEFFERSON ST PADUCAH, KY 42001 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $6K | $0 | $6K | 0.01% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $6K | $0 | $6K | 0.01% |
| MORGAN TREVATHAN GUNN INC3 | 106 EAST 12TH STREET BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $6K | $0 | $6K | 0.01% |
| HIGGINS INSURANCE INC3 | 1819 E. 9TH STREET HOPKINSVILLE, KY 42240 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $6K | $0 | $6K | 0.01% |
| MORGAN TREVATHAN GUNN INC3 | PO BOX 487 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $5K | $200 | $5K | 0.01% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS AND ASSOC LLC | 4975 ALBEN BARKLEY DR STE 1 PADUCAH, KY 42001 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $4K | $0 | $4K | 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 | $3K | $0 | $3K | 0.01% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENT ADVISORS | 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $2K | $0 | $2K | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $1K | $0 | $1K | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4000 SMITH ROAD SUITE 400 CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $744 | $0 | $744 | 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 | $64 | $200 | $264 | 0.00% |
| ADMINISTRATIVE SERVICES GROUP3 | 333 W. VINE STREET, SUITE 500 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | — | $9K | $9K | 2.66% |
| ACORDIA OF LEXINGTON3 | 333 W. VINE STREET, 500 LEXINGTON, KY 405071622 | CIGNA GROUP INSURANCE | $746 | — | $746 | 20.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FISERV/ASGI EIN 31-1558779 NONE | Contract Administrator Service code 13 | — | $667K |
| PNC INSTITUTIONAL INVESTMENTS NONE | Investment advisory (plan) Service code 27 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $29K |
| WELLS FARGO EIN 56-1882208 NONE | Insurance agents and brokers Service code 22 | — | $19K |
| DEAN DORTON ALLEN FORD, PLLC EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| 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 | 8,203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,203 | 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 | 10,826 | $48.2M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 10,826 | $48.9M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 10,826 | $48.2M |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,454 | $365K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 1,454 | $353K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,454 | $353K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,454 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,826 | — |
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.