| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC. | $23K | $1K | $24K | 3.88% |
| GREGORY A HAMMETT3 | 1246 S THIRD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC. | $8K | — | $8K | 1.22% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $10K | 13.78% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 7.81% |
| JAMES P BARTA3 | 7502 MARIA AVENUE LOUISVILLE, KY 40222 | KANAWHA INSURANCE COMPANY | $755 | — | $755 | 4.29% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | MANHATTANLIFE | $769 | — | $769 | 6.68% |
| JAMES P BARTA3 | 1412 WILLOW AVENUE APT 56 LOUISVILLE, KY 40204 | MANHATTANLIFE | $448 | — | $448 | 3.89% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 106 | $623K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $76K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $76K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $76K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 78 | $18K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.