| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $145K | $2K | $146K | 1.25% |
| BENEFIT INSURANCE MARKETING, INC. Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $69K | — | $69K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | — | $7K | 0.06% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 13.73% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE ADMINISTRATORS LLC | 6110 TECHNOLOGY DRIVE INDIANAPOLIS, IN 46278 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 4.60% |
| UMR, INC.5 Filed as: UMR INC | 333 WEST VINE STREET STE 500 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $980 | $980 | 0.44% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.94% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE BENEFITS GROUP INC | 6110 TECHNOLOGY CENTER INDIANAPOLIS, IN 46278 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.62% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | METROPOLITAN LIFE INSURANCE COMPANY | $500 | — | $500 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35 | $35 | 0.05% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42104 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.46% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE ADMINISTRATORS LLC | 6110 TECHNOLOGY CENTER DR STE 500 INDIANAPOLIS, IN 46278 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, KY 40504 | STANDARD INSURANCE COMPANY | $563 | — | $563 | 2.57% |
| UMR, INC.5 Filed as: UMR INC | 260 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY | — | $125 | $125 | 0.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR NONE | Contract Administrator Service code 13 | 230 LEXINGTON GREEN CIR LEXINGTON, KY 40503 | $170K |
| MILLIMAN NONE | Actuarial Service code 11 | 10 W MARKET ST STE 1600 INDIANAPOLIS, IN 46204 | $10K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $9K |
| DEAN DORTON ALLEN FORD EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | 250 WEST MAIN STREET LEXINGTON, KY 40507 | $5K |
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 | 1,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,093 | $11.7M |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,093 | $11.8M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,093 | $11.7M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 537 | $292K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 266 | $247K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 537 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,093 | — |
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.