| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 3.95% |
| WLA INSURANCE LLC3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 4.20% |
| KHA SOLUTIONS GROUP3 | P.O. BOX 436629 LOUISVILLE, KY 40253 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $6K | $26K | 12.68% |
| KHA SOLUTIONS GROUP3 | P.O. BOX 436629 LOUISVILLE, KY 40253 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $8K | $31K | 19.85% |
| WILLIAM L ALTMAN3 Filed as: WILLIAM ALTMAN | 12465 THIRD ST LOUISVILLE, KY 40203 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $15K | — | $15K | 26.26% |
| AARON ANTHONY3 Filed as: AARON WRIGHT | 9505 TRUSCOTT CT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $391 | — | $391 | 0.70% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK LAIRD | 222 KENTUCKY AVE, STE 3 PADUCAH, KY 42003 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $160 | — | $160 | 0.28% |
| JENNIFER KELLER3 | 319 E 2ND ST OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $115 | — | $115 | 0.20% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DR, STE 125 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $72 | — | $72 | 0.13% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DR, STE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $70 | — | $70 | 0.12% |
| CHAD THOMPSON3 | 4404 WILDERNESS DR OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $62 | — | $62 | 0.11% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE RD, STE 605 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $42 | — | $42 | 0.07% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 102 THOROUGHBRED WAY GEORGETOWN, KY 40324 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $27 | — | $27 | 0.05% |
| DAVID EMERSON3 | 4820 LAKE BROOK DR GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $26 | — | $26 | 0.05% |
| HEATHER MAMMEN3 | 468 BOB O LINK DR LEXINGTON, KY 40503 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $24 | — | $24 | 0.04% |
| MARY CARMELA BERARDI3 Filed as: MARY BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $23 | — | $23 | 0.04% |
| KANSAS DAWN RAY3 Filed as: KANSAS RAY | 108 SOUTH MAIN, STE 201 MADSISONVILLE, KY 42436 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $23 | — | $23 | 0.04% |
| CHERYL C NELSON3 Filed as: CHERYL NELSON | 5224 S. EASTERN SCHOOL RD PEKIN, IN 47165 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $23 | — | $23 | 0.04% |
| ANGELA KAYE DOWDY3 Filed as: ANGELA DOWDY | 2141 ROHRER RD MAYFIELD, KY 42066 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $23 | — | $23 | 0.04% |
| AMELIA S COX3 Filed as: AMELIA COX | 118 MARION MNT DR GRAY, KY 40734 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $23 | — | $23 | 0.04% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $23 | — | $23 | 0.04% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $5 | — | $5 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | $747K |
| WLA INSURANCE LLC BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1246 S. THIRD ST LOUISVILLE, KY 40203 | $97K |
| WAYNE CORPORATION EIN 61-1129889 CONTRACTOR | Other services; Other fees; Contract Administrator Service code 13 | — | $34K |
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 | 965 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 819 | $310K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 819 | $310K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 952 | $216K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 406 | $156K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 952 | $423K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 952 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.