| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | ANTHEM HEALTH PLAN OF KY, INC. (G1700) | $34K | — | $34K | 1.60% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW MITCHELL, KY 41017 | ANTHEM HEALTH PLAN OF KY, INC. (G1700) | $26K | — | $26K | 1.20% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW SUITE 204 MITCHELL, KY 41017 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $15 | $7K | 4.22% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $50 | $6K | 3.59% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 25.20% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 211 GRANDVIEW AVENUE SUITE 204 FT MITCHELL, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $885 | — | $885 | 3.80% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $623 | — | $623 | 2.68% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $608 | — | $608 | 2.61% |
| BRENT HUTCHINSON3 Filed as: BRENT D HUTCHINSON | 333 W. VINE ST STE 300 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLAN OF KY, INC. (G1700) | 403 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 600 | $176K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 600 | $176K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 600 | $176K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 600 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.