| 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 | $354K | $41K | $395K | 2.45% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE HUNT INSURANCE | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $300K | — | $300K | 2.98% |
| HIRAM D SNOWDEN AND ASSOCIATES Filed as: HIRAM D SNOWDEN & ASSOCIATES | 812 LYNDON LANE LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| KY RETAIL FEDERATION INS3 | 512 CAPITAL AVE FRANKFORT, KY 40601 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $91K | — | $91K | 1.17% |
| FOWLER SECURITIES & BENEFITS3 | 300 DISTILLERY COMMONS LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $35K | — | $35K | 0.45% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $29K | — | $29K | 0.37% |
| 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. | $27K | — | $27K | 0.35% |
| HOUCHENS INSURANCE3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $21K | — | $21K | 0.27% |
| THE LIFE ASSOCIATES INC Filed as: THE LIFE ASSOCIATES | PO BOX 226 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $13K | — | $13K | 0.17% |
| JOHN GLASCOCK3 | PO BOX 23501 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $8K | — | $8K | 0.10% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $8K | — | $8K | 0.10% |
| PLAPPERT INS AGENCY3 | 12700 TOWNEPARK WAY LOUISVILLE, KY 40243 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $7K | — | $7K | 0.09% |
| HIRAM D SNOWDEN AND ASSOCIATES3 Filed as: HIRAM D SNOWDEN & ASSOC | 812 LYNDON LANE LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $6K | — | $6K | 0.08% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY | 306 WEDDLE STREET SOMERSET, KY 41041 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $2K | — | $2K | 0.03% |
| KEYSTONE INSURANCE & BENEFITS GROUP Filed as: KEYSTONE INSURANCE & BEN GROUP | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $1K | — | $1K | 0.02% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $397 | — | $397 | 0.01% |
| FOSTER INSURANCE SERVICES INC3 | 900 RIDGE POINT DRIVE LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| THE LIFE ASSOCIATES INC3 | PO BOX 226 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| BETTER SOURCE BENEFIT COMPANY INC3 Filed as: BETTER SOURCE BENEFIT COMPANY | 340 CLIFTY ST LOUISVILLE, KY 42501 | 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% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | 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% |
| CIS INSURANCE & INVESTMENTS4 Filed as: CIS INSURANCE AND INV ADVISORS | 550 S. 5TH STREET LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $140K | — | $140K | 2.04% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE | 200 W VINE ST LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $64K | $885 | $65K | 0.94% |
| 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. | $36K | — | $36K | 1.98% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY4 Filed as: LOGAN LAVELLE HUNT | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $28K | — | $28K | 1.53% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $27K | $1K | $29K | 1.68% |
| 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. | $9K | — | $9K | 0.50% |
| BETTER SOURCE BENEFIT COMPANY INC3 Filed as: BETTER SOURCE BENEFIT | 340 CLIFTY STREET SOMERSET, KY 42501 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $5K | — | $5K | 0.29% |
| HOUCHENS INSURANCE3 | 1750 SCOTTSVILLE RD. BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | — | $4K | 0.22% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO RD LOUISVILLE, KY 40207 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $57 | — | $57 | 0.00% |
| THE HINTON AGENCY LLC3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | ANTHEM BLUE CROSS BLUE SHIELD | $10K | — | $10K | 1.43% |
| KY RETAIL FEDERATION INS3 Filed as: KY RETAIL FEDERATION INDUSTRY | 340 DEMOCRAT DRIVE FRANKFORT, KY 40601 | ANTHEM BLUE CROSS BLUE SHIELD | $5K | $65 | $5K | 0.67% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.34% |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.01% |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | — | $4K | $4K | 9.96% |
| UMR, INC.3 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | UNION SECURITY INSURANCE CO. | — | $7K | $7K | 19.98% |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 13.76% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.76% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.08% |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $356 | $356 | 3.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $838K |
| PERSHING LLC INVESTMENT MANAGEMENT | Investment management Service code 28 | ONE PERSHING PLAZA JERSEY CITY, NJ 07399 | $22K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 AUDITOR | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $10K |
| CENTRAL BANK & TRUST COMPANY EIN 61-0153605 INVESTMENT MANAGEMENT | Custodial (securities); Investment management Service code 19 | 300 WEST VINE STREET LEXINGTON, KY 40507 | $6K |
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 | 5,982 | 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) | 5,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 1,996 | $24.6M |
| Dental(7 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 2,168 | $30.3M |
| Vision(4 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 1,996 | $28.6M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 253 | $1.8M |
| Short-term disability(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 143 | $118K |
| Long-term disability(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 143 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,168 | — |
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.