| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE RAOD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $27K | $2K | $29K | 2.51% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 5.32% |
| BENEFITS INSURANCE MARKET3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $169 | $3K | 10.55% |
| BENEFITS INSURANCE MARKET3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $162 | $4K | 15.58% |
| BENEFITS INSURANCE MARKET3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $151 | $4K | 15.66% |
| BENEFIT INSURANCE MKTG.3 | 1151 RED MILE ROAD LEXINGTON, KY 405042649 | VISION SERVICE PLAN | $783 | — | $783 | 9.21% |
| BENEFITS INSURANCE MARKET3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $248 | $15 | $263 | 10.61% |
No Schedule C service providers reported on this filing.
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 103 | $1.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 187 | $58K |
| Vision | VISION SERVICE PLAN | 73 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 62 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 56 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.