| 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 KENTUCKY, INC. | $538K | $159 | $538K | 0.89% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $296K | — | $296K | 0.49% |
| HIRAM D SNOWDEN AND ASSOCIATES3 | 812 LYNDON LANE STE 101 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $241K | — | $241K | 0.40% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $134K | — | $134K | 0.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $45K | — | $45K | 0.07% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $43K | — | $43K | 0.07% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENT PARTNERS | 550 S 5TH ST STE 101 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $35K | — | $35K | 0.06% |
| RIDDLE INSURANCE3 Filed as: RIDDLE INSURANCE LLC | 245 SOUTH MAIN STREET MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $25K | — | $25K | 0.04% |
| THE LIFE ASSOCIATES INC3 Filed as: LIFE ASSOCIATES, INC | PO BOX 226 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $17K | — | $17K | 0.03% |
| HIGGINS INSURANCE INC3 | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $14K | — | $14K | 0.02% |
| MORGAN TREVATHAN GUNN INC3 | 106 EAST 12TH STREET BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $14K | — | $14K | 0.02% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $14K | — | $14K | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $599 | — | $599 | 0.00% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$212 | — | -$212 | -0.00% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - LIFE | $1K | — | $1K | 8.54% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - LIFE | $0 | $413 | $413 | 2.59% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - DENTAL | $698 | — | $698 | 5.22% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - DENTAL | $0 | $402 | $402 | 3.00% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - TEMP DISABILITY | $1K | — | $1K | 9.55% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - TEMP DISABILITY | $0 | $297 | $297 | 2.65% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - VISION | $319 | — | $319 | 5.94% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - VISION | $0 | $162 | $162 | 3.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FISERV/ASGI EIN 31-1558779 NONE | Contract Administrator Service code 13 | — | $626K |
| PNC INSTITUTIONAL INVESTMENTS NONE | Investment advisory (plan) Service code 27 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $31K |
| DEAN DORTON ALLEN FORD, PLLC EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Insurance agents and brokers Service code 22 | — | $17K |
| MILLIMAN NONE | Actuarial Service code 11 | 1301 FIFTH AVENUE, SUITE 3800 SEATTLE, WA 98101 | $10K |
| 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 | 7,701 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 9,831 | $60.3M |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 9,831 | $61.2M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 9,831 | $60.4M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY - LIFE | 69 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY - TEMP DISABILITY | 16 | $11K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,831 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.