See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 15 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 46 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| 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."
The primary broker changed. The plan may take a second-look pitch.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.