| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KY RETAIL FEDERATION INS3 | 512 CAPITAL AVE FRANKFORT, KY 40601 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $166K | — | $166K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $52K | $166 | $52K | 0.47% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLD CARMEL, IN 46032 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $47K | — | $47K | 0.42% |
| FOSTER INSURANCE SERVICES INC3 | 900 RIDGE POINT DRIVE LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $30K | — | $30K | 0.27% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $23K | $207 | $23K | 0.21% |
| HOUCHENS INSURANCE3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $21K | $34 | $21K | 0.19% |
| RIDDLE INSURANCE3 Filed as: RIDDLE INSURANCE LLC | 245 SOUTH MAIN STREET MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $16K | — | $16K | 0.14% |
| PCF INSURANCE SERVICES OF THE WEST Filed as: PCF INSURANCE SERVICES | 21300 VICTORY BLVD WOODLAND HILLS, CA 91367 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $10K | — | $10K | 0.09% |
| JOHN GLASCOCK3 | PO BOX 23501 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $9K | — | $9K | 0.08% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY | 306 WEDDLE STREET SOMERSET, KY 41041 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $5K | — | $5K | 0.05% |
| BETTER SOURCE BENEFIT COMPANY INC4 Filed as: BETTER SOURCE BENEFIT CO | 340 CLIFTY STREET, STE 4 SOMERSET, KY 42501 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $5K | — | $5K | 0.04% |
| FSAB LLC3 | 222 E WITHERSPOON SUITE 105B LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $4K | — | $4K | 0.04% |
| THE LIFE ASSOCIATES INC3 | PO BOX 226 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $2K | — | $2K | 0.02% |
| KEYSTONE INSURANCE & BENEFITS GROUP Filed as: KEYSTONE INSURANCE & BEN GROUP | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $2K | $3 | $2K | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOWN CENTER BLVD, STE 200 LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $222 | — | $222 | 0.00% |
| BUSINESS INSURANCE AGENCY4 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW FORT MITCHELL, KY 41017 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $222 | — | $222 | 0.00% |
| TRIPLE CROWN INSURANCE LLC3 | 9200 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| HIRAM D SNOWDEN AND ASSOCIATES3 Filed as: HIRAM D SNOWDEN & ASSOC | 812 LYNDON LANE LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| FOWLER SECURITIES & BENEFITS3 | 300 DISTILLERY COMMONS LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| J CRAIG RIDDLE COMPANY Filed as: J CRAIG RIDDLE | PO BOX 549 MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| PLAPPERT INS AGENCY3 | 12700 TOWNEPARK WAY LOUISVILLE, KY 40243 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| THE LIFE ASSOCIATES INC Filed as: THE LIFE ASSOCIATES | PO BOX 226 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| INSURANCE SPECIALISTS LLC | 1750 SCOTTSVILLE RD LOUISVILLE, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY LLC | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| HIRAM D SNOWDEN AND ASSOCIATES3 Filed as: HIRAM D SNOWDEN & ASSOCIATES | 812 LYNDON LANE LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J. BYRNE | 9400 WILLIAMSBURG PLAZA LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| THE UNDERWRITERS GROUP INC3 Filed as: THE UNDERWRITERS GROUP | PO BOX 23790 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| HATFIELD LOUISVILLE LLC | 12800 TOWN PARK WAY LOUISVILLE, KY 40243 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $231K | $258 | $231K | 2.63% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $49K | — | $49K | 1.42% |
| ASSUREDPARTNERS Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $41K | — | $41K | 1.18% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS | 4500 TOWN CENTER BVD JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $2K | — | $2K | 0.06% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY4 Filed as: LOGAN LAVELLE HUNT | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $25K | — | $25K | 1.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $11K | — | $11K | 0.77% |
| HOUCHENS INSURANCE3 | 1750 SCOTTSVILLE RD. BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | — | $1K | 0.11% |
| BETTER SOURCE BENEFIT COMPANY INC3 Filed as: BETTER SOURCE BENEFIT | 340 CLIFTY STREET SOMERSET, KY 42501 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | — | $0 | 0.00% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO RD LOUISVILLE, KY 40207 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | — | $0 | 0.00% |
| THE HINTON AGENCY LLC4 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $9K | — | $9K | 1.04% |
| KY RETAIL FEDERATION INS4 Filed as: KY RETAIL FEDERATION INS AGENCY | 340 DEMOCRAT DRIVE FRANKFORT, KY 40601 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $6K | — | $6K | 0.68% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY INC | $152K | — | $152K | 30.44% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $6K | $1K | $7K | 9.70% |
| UMR, INC.5 Filed as: UMR | 230 LEXINGTON CIRCLE GREEN STE 400 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.78% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 11.14% |
| UMR, INC.5 Filed as: UMR | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.78% |
| BENEFIT INS MARKETING INC3 Filed as: BENEFIT INS MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 12.01% |
| UMR, INC. Filed as: UMR | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 5.50% |
| ADMINISTRATIVE SERVICES GROUP5 | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | SUN LIFE ASSURANCE COMPANY OF CANNADA | — | $8K | $8K | 19.91% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE | $3K | — | $3K | 16.34% |
| UMR, INC.5 Filed as: UMR | 230 LEXINGTON GREEN CIRCLE LEXINGTON, KY 40503 | STANDARD INSURANCE | — | $1K | $1K | 5.50% |
| KENTUCKY CHAMBER4 Filed as: KENTUCKY RETAIL FEDERATION | 340 DEMOCRAT DR FRANKFORT, KY 40601 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 13.48% |
| UMR, INC.4 Filed as: UMR | 230 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $378 | $378 | 5.01% |
| DELTA DENTAL OF KY4 | 10100 LINN STATION RD LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $377 | $377 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAYER MATRIX LLC NONE | Consulting (general); Insurance services Service code 16 | 1400 N PROVIDENCE ROAD MEDIA, PA 19063 | $2.2M |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 61-1237516 NONE | Claims processing Service code 12 | — | $2.1M |
| UMR EIN 39-1995276 NONE | Contract Administrator Service code 13 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $681K |
| LEWIS AND ELLIS ACTUARIES AND CONS NONE | Actuarial Service code 11 | 6600 CHASE OAKS BLVD PLANO, TX 75023 | $52K |
| PERSHING LLC NONE | Investment management; Custodial (securities) Service code 19 | ONE PERSHING PLAZA JERSEY CITY, NJ 07399 | $32K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 NONE | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $18K |
| CENTRAL BANK & TRUST COMPANY EIN 61-0153605 NONE | Investment management; Custodial (securities) Service code 19 | 300 WEST VINE STREET LEXINGTON, KY 40507 | $8K |
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 | 4,983 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 1,209 | $12.5M |
| Dental(7 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 1,581 | $14.7M |
| Vision(5 contracts) | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 912 | $15.1M |
| Life insurance(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 245 | $1.5M |
| Short-term disability(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 89 | $167K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 89 | $159K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY INC | 678 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,581 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.