| 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 | $249K | $2K | $251K | 1.84% |
| ROBBINS TRUITT & ASSOCIATES3 Filed as: ROBBINS TRUITT AND ASSOCIATES | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY INC | $32K | — | $32K | 0.23% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE HUNT INSURANCE | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $316K | $17K | $333K | 4.67% |
| KY RETAIL FEDERATION INS3 | 512 CAPITAL AVE FRANKFORT, KY 40601 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $112K | — | $112K | 1.90% |
| FOSTER INSURANCE SERVICES INC3 | 900 RIDGE POINT DRIVE LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $52K | $4K | $55K | 0.94% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $23K | $6K | $30K | 0.50% |
| 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. | $24K | $2K | $26K | 0.44% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY LLC | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $22K | — | $22K | 0.37% |
| HIRAM D SNOWDEN AND ASSOCIATES3 Filed as: HIRAM D SNOWDEN & ASSOCIATES | 812 LYNDON LANE LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $7K | — | $7K | 0.12% |
| FOWLER SECURITIES & BENEFITS3 | 300 DISTILLERY COMMONS LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $7K | — | $7K | 0.11% |
| INSURANCE SPECIALISTS LLC | 1750 SCOTTSVILLE RD LOUISVILLE, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $5K | — | $5K | 0.09% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $4K | — | $4K | 0.08% |
| JOHN GLASCOCK3 | PO BOX 23501 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $4K | — | $4K | 0.07% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $4K | $374 | $4K | 0.07% |
| BETTER SOURCE BENEFIT COMPANY INC3 Filed as: BETTER SOURCE BENEFIT COMPANY | 340 CLIFTY ST LOUISVILLE, KY 42501 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $3K | $500 | $3K | 0.06% |
| PLAPPERT INS AGENCY3 | 12700 TOWNEPARK WAY LOUISVILLE, KY 40243 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $3K | — | $3K | 0.05% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $3K | — | $3K | 0.05% |
| THE LIFE ASSOCIATES INC3 | PO BOX 226 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $2K | — | $2K | 0.04% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $730 | — | $730 | 0.01% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J. BYRNE | 9400 WILLIAMSBURG PLAZA LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $699 | — | $699 | 0.01% |
| THE UNDERWRITERS GROUP INC3 Filed as: THE UNDERWRITERS GROUP | PO BOX 23790 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $500 | — | $500 | 0.01% |
| HATFIELD LOUISVILLE LLC | 12800 TOWN PARK WAY LOUISVILLE, KY 40243 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $210 | — | $210 | 0.00% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $23K | $2K | $24K | 1.78% |
| 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. | $10K | $500 | $10K | 0.76% |
| BETTER SOURCE BENEFIT COMPANY INC3 Filed as: BETTER SOURCE BENEFIT COMPANY | 340 CLIFTY ST SOMERSET, KY 42501 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | — | $4K | 0.32% |
| VAN METER INSURANCE3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | — | $4K | 0.29% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE | 9400 WILLIAMSBURG PLAZA LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $659 | — | $659 | 0.05% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $1K | — | $1K | 3.15% |
| ROBBINS TRUITT & ASSOCIATES3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | — | $4K | $4K | 11.10% |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | — | $8K | $8K | 20.00% |
| UMR, INC.3 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | UNION SECURITY INSURANCE CO. | — | — | $0 | — |
| LOGAN LAVELLE HUNT INSURANCE AGENCY4 Filed as: LOGAN LAVELLE HUNT | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 NONE | Contract Administrator Service code 13 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $520K |
| CENTRAL BANK & TRUST COMPANY EIN 61-0153605 NONE | Investment management; Custodial (securities) Service code 19 | 300 WEST VINE STREET LEXINGTON, KY 40507 | $21K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 NONE | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $13K |
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 | 4,427 | 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) | 4,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 1,880 | $19.5M |
| Dental(8 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 1,880 | $23.0M |
| Vision(3 contracts) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 1,880 | $22.2M |
| Life insurance(5 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 210 | $1.4M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 76 | $40K |
| Long-term disability(4 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 86 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,880 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.