| 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 | $38K | — | $38K | 0.53% |
| TRIPLE CROWN INSURANCE LLC3 | 9780 ORMSBY STATION RD STE 1500 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $35K | — | $35K | 0.49% |
| 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 | $26K | — | $26K | 0.36% |
| AP WHOLESALE INSURANCE SERVICES LLC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $21K | $400 | $21K | 0.30% |
| B AND B INSURANCE AGENCY3 Filed as: B & B INSURANCE AGENCY INC | PO BOX 1206 MADISONVILLE, KY 42431 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $14K | — | $14K | 0.19% |
| 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 | $10K | — | $10K | 0.14% |
| FSAB LLC3 | 222 E WITHERSPOON SUITE 105B LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $7K | — | $7K | 0.10% |
| MEDLINK INC3 | P O BOX 23570 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $7K | — | $7K | 0.09% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $599 | — | $599 | 0.01% |
| BLACKBURN INSURANCE GROUP INC3 | 180 TOWN MTN RD, STE 113 PIKEVILLE, KY 41501 | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $192 | — | $192 | 0.00% |
| 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 | $192 | — | $192 | 0.00% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $96 | — | $96 | 12.12% |
| UMR, INC.3 | 11 SCOTT ST, STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57 | — | $57 | 13.04% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37 | — | $37 | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FISERV HEALTH/ASGI EIN 31-1558779 NONE | Contract Administrator Service code 13 | — | $125K |
| COAL OPERATORS & ASSOCIATES EIN 61-0717487 PLAN SPONSOR | Plan Administrator Service code 14 | — | $90K |
| COMMUNITY TRUST AND INVESTMENT CO NONE | Investment advisory (plan) Service code 27 | 101 NORTH MAIN ST, 2ND FLOOR VERSAILLES, KY 40383 | $34K |
| HEALTHIEST YOU, INC NONE | Other fees Service code 99 | 2 MANHATTANVILLE RD, STE 203 PURCHASE, NY 10577 | $32K |
| DEAN DORTON ALLEN FORD PLLC EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | — | $19K |
| USI INSURANCE SERVICES NONE | Insurance services Service code 23 | 220 LEXINGTON GREEN CIRCLE STE 410 LEXINGTON, KY 40503 | $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 | 2,138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,138 | 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 | 1,329 | $7.2M |
| Dental(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 1,329 | $7.5M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 1,329 | $7.2M |
| Life insurance(4 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 90 | $23K |
| Other(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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."
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.