| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N RIVERVIEW STREET SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $97K | $97K | 26.39% |
| CBG ENROLLMENTS3 | 331 TOWNEPARK CIRCLE SUITE 200 LOUISVILLE, KY 40243 | NATIONAL HEALTH INSURANCE COMPANY | $75K | — | $75K | 20.42% |
| FIRST HEALTH4 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 60673 | NATIONAL HEALTH INSURANCE COMPANY | — | $9K | $9K | 2.33% |
| KENTUCKY CHAMBER3 | 464 CHENAULT ROAD FRANKFORT, KY 40601 | NATIONAL HEALTH INSURANCE COMPANY | $5K | — | $5K | 1.28% |
| CARE ADVOCATES4 | 345 N RIVERVIEW STREET SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $3K | $3K | 0.92% |
| CENTER CARE PPO4 Filed as: CENTER CARE | PO BOX 9819 BOWLING GREEN, KY 42102 | NATIONAL HEALTH INSURANCE COMPANY | — | $2K | $2K | 0.47% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE | 9401 WILLIAMSBURG PLAZA LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $8K | — | $8K | 9.85% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 2.54% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE | 9401 WILLIAMSBURG PLAZA LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $549 | $8K | 11.48% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 3.52% |
| JP BARTA3 | 331 TOWNEPARK CIRCLE SUITE 200 LOUISVILLE, KY 40243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 56.59% |
| JAMES P BARTA3 | 331 TOWNEPARK CIRCLE SUITE 200 LOUISVILLE, KY 40243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.29% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.15% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $707 | — | $707 | 4.63% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | STANDARD INSURANCE COMPANY | $158 | — | $158 | 1.04% |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 300 | $78K |
| Vision | STANDARD INSURANCE COMPANY | 121 | $15K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 197 | $73K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 197 | $73K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 160 | $366K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 197 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.