| 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 | $433K | $800 | $434K | 0.75% |
| 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 | $328K | $5K | $333K | 0.58% |
| SHEPHRED INSURANCE LLC3 | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $211K | — | $211K | 0.37% |
| 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 | $131K | — | $131K | 0.23% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $96K | — | $96K | 0.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $49K | — | $49K | 0.09% |
| 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 | $46K | — | $46K | 0.08% |
| 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 | $29K | — | $29K | 0.05% |
| RIDDLE INSURANCE3 Filed as: RIDDLE INSURANCE LLC | 245 SOUTH MAIN STREET MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $16K | — | $16K | 0.03% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $14K | — | $14K | 0.02% |
| MORGAN TREVATHAN GUNN INC3 | 106 EAST 12TH STREET BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $14K | — | $14K | 0.02% |
| 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 | $13K | — | $13K | 0.02% |
| HIGGINS INSURANCE INC3 | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $10K | — | $10K | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $1K | — | $1K | 0.00% |
| AP WHOLESALE INSURANCE SERVICES LLC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $158 | $34 | $192 | 0.00% |
| J CRAIG RIDDLE COMPANY3 | PO BOX 549 MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $161 | — | $161 | 0.00% |
| THE HINTON AGENCY LLC3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $86 | — | $86 | 0.00% |
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | -$412 | $108 | -$304 | -0.00% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 17.43% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - DENTAL | $1K | — | $1K | 6.64% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - DENTAL | $0 | $965 | $965 | 5.50% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - LIFE | $2K | — | $2K | 12.35% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - LIFE | $0 | $856 | $856 | 5.50% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - TEMP DISABILITY | $2K | — | $2K | 13.13% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - TEMP DISABILITY | $0 | $721 | $721 | 5.50% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 18.46% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA LLC | 10401 N MERIDIAN ST STE 300 INDIANAPOLIS, IN 46290 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 17.87% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - VISION | $424 | — | $424 | 6.70% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - VISION | $0 | $348 | $348 | 5.50% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $950 | — | $950 | 17.88% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $724 | — | $724 | 14.02% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | SUN LIFE ASSURANCE COMPANY OF CANADA | $785 | — | $785 | 18.38% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $712 | — | $712 | 16.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 200 W VINE ST, SUITE 300 LEXINGTON, KY 40507 | SUN LIFE ASSURANCE COMPANY OF CANADA | $718 | — | $718 | 19.99% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $515 | — | $515 | 16.46% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $493 | — | $493 | 18.10% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $465 | — | $465 | 17.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 999 SHADY GROVE, SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $483 | — | $483 | 18.19% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $471 | — | $471 | 18.65% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | SUN LIFE ASSURANCE COMPANY OF CANADA | $453 | — | $453 | 18.44% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $437 | — | $437 | 18.32% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $410 | — | $410 | 18.33% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $369 | — | $369 | 17.01% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | SUN LIFE ASSURANCE COMPANY OF CANADA | $397 | — | $397 | 18.54% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | SUN LIFE ASSURANCE COMPANY OF CANADA | $350 | — | $350 | 18.11% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $320 | — | $320 | 16.64% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $278 | — | $278 | 16.13% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $317 | — | $317 | 18.53% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $324 | — | $324 | 19.12% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | SUN LIFE ASSURANCE COMPANY OF CANADA | $229 | — | $229 | 17.22% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $235 | — | $235 | 17.71% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $187 | — | $187 | 16.92% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $153 | — | $153 | 17.51% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $111 | — | $111 | 18.41% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $95 | — | $95 | 16.93% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49 | — | $49 | 16.90% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42 | — | $42 | 17.95% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38 | — | $38 | 21.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FISERV/ASGI EIN 31-1558779 NONE | Contract Administrator Service code 13 | — | $641K |
| PNC INSTITUTIONAL INVESTMENTS NONE | Investment advisory (plan) Service code 27 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $38K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 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 | 7,729 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,729 | 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 | 9,746 | $57.7M |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 9,746 | $58.5M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 9,746 | $57.7M |
| Life insurance(55 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $225K |
| Short-term disability(16 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $137K |
| Long-term disability(18 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $148K |
| Other(55 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,746 | — |
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.