| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC4 | 1246 S THIRD ST LOUSIVILLE, KY 40203 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $88K | — | $88K | 4.07% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | DELTA DENTAL OF KENTUCKY | $12K | — | $12K | 9.31% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $15K | $2K | $17K | 16.14% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 16.31% |
| JP BARTA3 | 331 TOWNEPARK CIRCLE SUITE 200 LOUISVILLE, KY 40243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $927 | — | $927 | 2.08% |
| JAMES P BARTA3 | 331 TOWNEPARK CIRCLE SUITE 200 LOUISVILLE, KY 40243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 392 | $2.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 393 | $128K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 392 | $2.2M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 288 | $105K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 288 | $105K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 288 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
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.