| 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 KY INC | $709K | $457 | $710K | 1.43% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM HEALTH PLANS OF KY INC | $262K | $2K | $263K | 0.53% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KY INC | $112K | $259 | $112K | 0.23% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENT PARTNERS | 550 S 5TH ST STE 101 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KY INC | $36K | — | $36K | 0.07% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KY INC | $28K | — | $28K | 0.06% |
| RIDDLE INSURANCE3 Filed as: RIDDLE INSURANCE LLC | 245 SOUTH MAIN STREET MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KY INC | $23K | — | $23K | 0.05% |
| HIGGINS INSURANCE INC3 | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | ANTHEM HEALTH PLANS OF KY INC | $20K | — | $20K | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KY INC | $19K | $3 | $19K | 0.04% |
| THE LIFE ASSOCIATES INC3 Filed as: LIFE ASSOCIATES, INC | PO BOX 226 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KY INC | $10K | — | $10K | 0.02% |
| MORGAN TREVATHAN GUNN INC3 | 106 EAST 12TH STREET BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KY INC | $10K | — | $10K | 0.02% |
| RCS INS BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 01982 | ANTHEM HEALTH PLANS OF KY INC | $8K | — | $8K | 0.02% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | ANTHEM HEALTH PLANS OF KY INC | $6K | — | $6K | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 WHITTINGTON PKWY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KY INC | $4K | — | $4K | 0.01% |
| BENEFIT INS MARKETING INC3 | 1151 REDMILE RD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - DENTAL | $874 | — | $874 | 6.30% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE, STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - DENTAL | — | $566 | $566 | 4.08% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - LIFE | $2K | — | $2K | 13.17% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - LIFE | — | $630 | $630 | 4.79% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - TEMP DISABILITY | $1K | — | $1K | 15.64% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - TEMP DISABILITY | — | $423 | $423 | 5.29% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY - VISION | $253 | — | $253 | 4.88% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY - VISION | — | $212 | $212 | 4.09% |
| BENEFITS INSURANCE MARKETING Filed as: BENEFITS INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $131 | — | $131 | 18.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FISERV/ASGI EIN 31-1558779 NONE | Contract Administrator Service code 13 | — | $581K |
| PNC INSTITUTIONAL INVESTMENTS NONE | Investment advisory (plan) Service code 27 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $33K |
| DEAN DORTON ALLEN FORD, PLLC EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Insurance agents and brokers Service code 22 | — | $18K |
| 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 | 6,920 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY INC | 9,577 | $49.6M |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KY INC | 9,577 | $49.6M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KY INC | 9,577 | $49.6M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY - LIFE | 79 | $18K |
| Short-term disability | STANDARD INSURANCE COMPANY - TEMP DISABILITY | 13 | $8K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16 | $691 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,577 | — |
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.