| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $150K | $23K | $173K | 4.00% |
| NELSON INSURANCE AGENCY3 Filed as: NELSON INSURANCE AGENCY INC | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $114 | $3K | $3K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 10.59% |
| NELSON INSURANCE AGENCY3 Filed as: NELSON INSURANCE AGENCY INC | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | ANTHEM LIFE INSURANCE COMPANY | — | $1K | $1K | 1.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $793 | — | $793 | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $470 | — | $470 | 4.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $345 | — | $345 | 4.43% |
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 | 948 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 657 | $4.3M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 657 | $4.3M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 657 | $4.3M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 948 | $59K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $71K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 657 | $4.3M |
| Other(4 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 948 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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."
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.