| 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 | — | — | $0 | 0.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP Filed as: KEYSTONE INSURANCE & BENEFITS | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC | — | — | $0 | 0.00% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE HUNT INSURANCE | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| 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. | — | — | $0 | 0.00% |
| FOSTER INSURANCE SERVICES INC3 | 900 RIDGE POINT DRIVE LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| HOUCHENS INSURANCE3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| 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. | — | — | $0 | 0.00% |
| JOHN GLASCOCK3 | PO BOX 23501 LOUISVILLE, KY 40223 | 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% |
| 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% |
| 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% |
| FOWLER SECURITIES & BENEFITS3 | 300 DISTILLERY COMMONS LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY | 306 WEDDLE STREET SOMERSET, KY 41041 | 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% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | 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% |
| KEYSTONE INSURANCE & BENEFITS GROUP Filed as: KEYSTONE INSURANCE & BEN GROUP | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS BENEFITS | 211 GRANDVIEW FORT MITCHELL, KY 41017 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOWN CENTER BLVD, STE 200 LOUISVILLE, KY 40206 | 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% |
| CIS INSURANCE & INVESTMENTS4 Filed as: CIS INSURANCE AND INV ADVISORS | 550 S. 5TH STREET LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE | 200 W VINE ST LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | — | — | $0 | 0.00% |
| 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. | — | — | $0 | 0.00% |
| 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% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | — | $0 | 0.00% |
| 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. | — | — | $0 | 0.00% |
| HOUCHENS INSURANCE3 | 1750 SCOTTSVILLE RD. BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | — | $0 | 0.00% |
| 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 LLC3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | ANTHEM BLUE CROSS BLUE SHIELD | — | — | $0 | 0.00% |
| KY RETAIL FEDERATION INS3 Filed as: KY RETAIL FEDERATION INDUSTRY | 340 DEMOCRAT DRIVE FRANKFORT, KY 40601 | ANTHEM BLUE CROSS BLUE SHIELD | — | — | $0 | 0.00% |
| BENEFIT INS MARKETING INC3 Filed as: BENEFIT INS MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $469 | — | $469 | 0.66% |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $189 | — | $189 | 7.73% |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | UNION SECURITY INSURANCE CO. | — | — | $0 | 0.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | — | — | $0 | — |
| UMR, INC.5 Filed as: UMR | 333 WEST VINE STREET LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $807K |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 61-1237516 CLAIMS ADMISTRATOR | Claims processing Service code 12 | — | $120K |
| LEWIS AND ELLIS ACTUARIES AND CONS ACTUARY | Actuarial Service code 11 | 6600 CHASE OAKS BLVD PLANO, TX 75023 | $30K |
| PERSHING LLC INVESTMENT MANAGEMENT | Investment management Service code 28 | ONE PERSHING PLAZA JERSEY CITY, NJ 07399 | $29K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 AUDITOR | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $11K |
| 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 | 4,802 | 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) | 4,802 | 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 | $22.7M |
| Dental(8 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 1,996 | $27.6M |
| Vision(4 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 1,996 | $25.2M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 253 | $2.3M |
| Short-term disability(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 90 | $51K |
| Long-term disability(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 90 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,996 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.