| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INS, LLC | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | HUMANA INSURANCE COMPANY | $132K | — | $132K | 15.10% |
| SUMMERFIELD, MIKE S3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | HUMANA INSURANCE COMPANY | $27 | $0 | $27 | 0.00% |
| WLA INSURANCE LLC3 Filed as: WLA INS, LLC | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $13K | $34K | 6.52% |
| WLA INSURANCE LLC3 Filed as: WLA INS, LLC | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 3.94% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 10.00% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 15.00% |
| WILLIAM L ALTMAN3 | 12465 THIRD STREET LOUISVILLE, KY 40203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 25.12% |
| CHAD THOMPSON3 | 4404 WILDERNESS DR OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.70% |
| JENNIFER KELLER3 | 319 E 2ND STREET OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | — | $311 | 0.49% |
| R AARON WRIGHT3 Filed as: AARON R WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 0.48% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 222 KENTUCKY AVE STE 3 PADUCAH, KY 42003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.23% |
| KYNDAL L THOMPSON3 | 319 E 2ND STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.10% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2200 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DR. STE 125 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD FRANK BROOKS | 9200 SHELBYVILLE RD SUITE 605 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DAVID A EMERSON3 | 4820 LAKE BROOK DR. GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MARY CARMELA BERARDI Filed as: MARY C BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| KANSAS DAWN RAY3 Filed as: KANSAS D RAY | 108 SOUTH MAIN STE 201 MADISONVILLE, KY 42436 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CHERYL C NELSON3 | 5224 S. EASTERN SCHOOL ROAD PEKIN, IN 47165 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ANGELA K DOWDY3 | 2141 ROHRER ROAD MAYFIELD, KY 42066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HEATHER L MAMMEN3 | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| AMELIA S COX3 | 118 MARION MNT DR GRAY, KY 40734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BRADLEY L ELLIS3 | 102 THOROUGHBRED WAY GEORGETOWN, KY 40324 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 20241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAYNE CORPORATION EIN 61-1129889 CONTRACTOR | Other fees; Other services; Contract Administrator Service code 13 | — | $29K |
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 | 1,216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 1,110 | $876K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 854 | $523K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 854 | $523K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,025 | $256K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,025 | $489K |
| Other(4 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,025 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,110 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.