| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INSURANCE LLC | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $9K | $4K | $13K | 1.88% |
| INNOVATIVE INSURANCE SOLUTION LLC3 | 135 CORPORATE CENTER DRIVE STE 551 SCOTT DEPOT, WV 255607864 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 8.57% |
| INNOVATIVE INSURANCE SOLUTION LLC3 | 135 CORPORATE CENTER DRIVE STE 551 SCOTT DEPOT, WV 255607864 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 21.22% |
| INNOVATIVE INSURANCE SOLUTION LLC3 | 135 CORPORATE CENTER DRIVE STE 551 SCOTT DEPOT, WV 255607864 | METROPOLITAN LIFE INSURANCE COMPANY | $586 | — | $586 | 23.07% |
| INNOVATIVE INSURANCE SOLUTION LLC3 | 135 CORPORATE CENTER DRIVE STE 551 SCOTT DEPOT, WV 255607864 | METROPOLITAN LIFE INSURANCE COMPANY | $332 | — | $332 | 30.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $185K |
| ACCRETIVE WHOLESALE INSURANCE LLC INSURANCE BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | $32K |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 29 | $10K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 247 | $687K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 247 | $687K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $142K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $142K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $142K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 247 | $687K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.