| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 435 WHITTINGTON PKWY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $10K | $560 | $10K | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | MEDICAL MUTUAL OF OHIO | $6K | — | $6K | 0.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $95K | — | $95K | 8.92% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 4500 TOWN CENTER DR STE 200 JEFFERSONVILLE, IN 47130 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 0.88% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | RELIASTAR LIFE INSURANCE COMPANY | $19K | — | $19K | 10.81% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 4500 TOWN CENTER BLVD STE 200 JEFFERSONVILLE, IN 47130 | MEDICAL MUTUAL OF OHIO | $1K | $1K | $3K | 5.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $604 | — | $604 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $490 | — | $490 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $289 | — | $289 | 5.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | RELIASTAR LIFE INSURANCE COMPANY | $730 | — | $730 | 18.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | — | $39 | 4.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 MED ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Other services; Claims processing Service code 12 | — | $30K |
| ASSURED PARTNERS NL, LLC BROKER COMMISSIONS/FEES | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | $0 |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 530 | $22.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 530 | $20.4M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 530 | $22.1M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 622 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $12K |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 622 | $1.3M |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 228 | $1.7M |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 622 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.