| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $59K | $229 | $59K | 3.38% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $5K | $17K | 21.54% |
| FRANKIE GLEE WILLIAMS3 | 206 HURRICANE SHORES RD SCOTTSVILLE, KY 42164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $803 | $4K | 4.82% |
| ALICE RYAN STRIBLING3 | 511 KILBOURNE ROAD COLA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $705 | $3K | 3.63% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $56 | $2K | 2.94% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $36 | $2K | 2.52% |
| VANCE NEAL MICHAEL3 | 2525 SPRING VALLEY LOOP LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.13% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $441 | $274 | $715 | 0.92% |
| LISA DAWN RENNELL3 | 3313 ORCHARD GRASS ROAD LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 20.55% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $729 | $3K | 13.28% |
| VANCE NEAL MICHAEL3 | 2525 SPRING VALLEY LOOP LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $723 | — | $723 | 3.49% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $14 | $565 | 2.73% |
| ALICE RYAN STRIBLING3 | 511 KILBOURNE ROAD COLA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | $95 | $481 | 2.32% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | $6 | $428 | 2.07% |
| FRANKIE GLEE WILLIAMS3 | 206 HURRICANE SHORES RD SCOTTSVILLE, KY 42164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $30 | $140 | 0.68% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $10 | $26 | 0.13% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | $179 | $654 | 18.67% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $5 | $178 | 5.08% |
| FRANKIE GLEE WILLIAMS3 | 206 HURRICANE SHORES RD SCOTTSVILLE, KY 42164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $31 | $143 | 4.08% |
| VANCE NEAL MICHAEL3 | 2525 SPRING VALLEY LOOP LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 2.40% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $11 | $28 | 0.80% |
| ALICE RYAN STRIBLING3 | 511 KILBOURNE ROAD COLA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.49% |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 311 | $1.7M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 311 | $1.7M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 311 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $48K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 238 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.