| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS AND INVESTMENTS PARTNERS LL | 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $145K | — | $145K | 1.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $62K | $5 | $62K | 0.72% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE AND INVESTMENT ADVISO | 550 S 5TH ST, SUITE 101 LOUISVILLE, KY 40202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $948 | $181 | $1K | 4.38% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER SUITE 500 INDIANAPOLIS, IN 46278 | METROPOLITAN LIFE INSURANCE COMPANY | — | $809 | $809 | 3.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPSTONE ADMINISTRATORS EIN 35-2260019 NONE | Direct payment from the plan; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $88K |
| KAM SERVICES LLC EIN 20-0401331 PLAN SPONSOR AFFILIATE | Direct payment from the plan; Consulting (general) Service code 16 | — | $68K |
| BUSINESSOLVER EIN 42-1503807 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Contract Administrator; Consulting (general); Direct payment from the plan Service code 10 | — | $64K |
| ALLIED ADVISORS GROUP, LLC EIN 82-3486640 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| CLIFTONLARSONALLEN, LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $19K |
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 | 862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 862 | $8.6M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,511 | $8.6M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,511 | $8.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,511 | $26K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,511 | $26K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,511 | $26K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 862 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,511 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.