| 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. | $8K | $4K | $12K | 1.90% |
| INNOVATIVE INSURANCE SOLUTION LLC3 | 135 CORPORATE CENTER DRIVE STE 551 SCOTT DEPOT, WV 255607864 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 9.48% |
| INNOVATIVE INSURANCE SOLUTION LLC3 | 135 CORPORATE CENTER DRIVE STE 551 SCOTT DEPOT, WV 255607864 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 21.19% |
| INNOVATIVE INSURANCE SOLUTION LLC3 | 135 CORPORATE CENTER DRIVE STE 551 SCOTT DEPOT, WV 255607864 | METROPOLITAN LIFE INSURANCE COMPANY | $545 | — | $545 | 22.24% |
| INNOVATIVE INSURANCE SOLUTION LLC3 | 135 CORPORATE CENTER DRIVE STE 551 SCOTT DEPOT, WV 255607864 | METROPOLITAN LIFE INSURANCE COMPANY | $434 | — | $434 | 118.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 CLAIMS PROCESSOR | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $112K |
| ACCRETIVE WHOLESALE INSURANCE LLC INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | $30K |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 324 | $653K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 324 | $644K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 324 | $644K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $148K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $148K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $148K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 324 | $644K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.