| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $92K | $34K | $126K | 0.80% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $131K | $0 | $131K | 6.75% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | $0 | $33K | 17.00% |
| ASSUREDPARTNERS3 | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $10K | $10K | 5.00% |
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 | 872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,999 | $15.7M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,999 | $15.7M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,999 | $15.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 827 | $1.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 827 | $1.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 827 | $1.9M |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,999 | $15.7M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,135 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,135 | — |
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.