| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $30K | $0 | $30K | 0.68% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $15K | $3K | $19K | 0.42% |
| MAVERICK INSURANCE GROUP LLC3 | 1214 N MAYO TRAIL, STE 100 PIKEVILLE, KY 41501 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $17K | $0 | $17K | 0.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD, STE 1004 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $15K | $0 | $15K | 0.35% |
| B AND B INSURANCE AGENCY3 | P.O. BOX 1206 MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $15K | $0 | $15K | 0.34% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $9K | $5 | $9K | 0.21% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $2K | $0 | $2K | 0.05% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $0 | $2K | $2K | 0.04% |
| BLACKBURN INSURANCE GROUP INC3 | 147 HIBBARD ST PIKEVILLE, KY 41501 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $2K | $0 | $2K | 0.04% |
| ALLIED INSURORS INC3 | PO BOX 7669 LOUISVILLE, KY 40257 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $1K | $0 | $1K | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 200 W. VINE ST STE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $928 | $0 | $928 | 0.02% |
| DARRELL L PATTON INSURANCE, INC.3 Filed as: DARRELL L PATTON INSURANCE INC | P.O. BOX 925 PRESTONSBURG, KY 41653 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $800 | $0 | $800 | 0.02% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $312 | $0 | $312 | 0.01% |
| FOWLER SECURITIES AND BENEFITS3 | 602 S 3RD ST, STE 102 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $192 | $0 | $192 | 0.00% |
| RANDALL FARLEY DYER3 Filed as: RANDALL F DYER | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $0 | $108 | $108 | 0.00% |
| KY LEAGUE OF CITIES INS AGENCY3 | 100 E VINE STREET, STE 800 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $8 | $0 | $8 | 0.00% |
| ADMINISTRATIVE SERVICES GROUP3 | 333 W. VINE STREET SUITE 500 LEXINGTON, KY 405071622 | UNION SECURITY INSURANCE COMPANY | $0 | $67 | $67 | 2.99% |
| UMR, INC.3 Filed as: UMR INC | 333 W. VINE STREET SUITE 500 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| PROFESSIONAL ADMIN LTD3 | 333 W VINE STREET STE 500 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| ARISON INSURANCE SERVICES, INC.3 Filed as: ARISON INSURANCE SERVICES | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNION SECURITY INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNION SECURITY INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS N1 LLC | 5905 E GALBRAITH ROAD, STE 5000 CINCINNATI, OH 45236 | UNION SECURITY INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS N1 LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNION SECURITY INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FISERV HEALTH/ASGI EIN 31-1558779 NONE | Contract Administrator Service code 13 | — | $71K |
| COAL OPERATORS & ASSOCIATES EIN 61-0717487 PLAN SPONSOR | Plan Administrator Service code 14 | — | $65K |
| COMMUNITY TRUST AND INVESTMENT CO NONE | Investment advisory (plan) Service code 27 | 101 NORTH MAIN ST, 2ND FLOOR VERSAILLES, KY 40383 | $34K |
| DEAN DORTON ALLEN FORD PLLC EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| USI INSURANCE SERVICES NONE | Insurance services Service code 23 | 220 LEXINGTON GREEN CIRCLE STE 410 LEXINGTON, KY 40503 | $5K |
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 | 1,418 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 636 | $4.4M |
| Dental(4 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 2,516 | $4.9M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 636 | $4.4M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 61 | $13K |
| Other | UNION SECURITY INSURANCE COMPANY | 15 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,516 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.