| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SKYLINE TERRACE LLC3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $8K | $3K | $10K | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 W LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | — | $6K | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD FL 4 GBS FINANCE 0 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF KENTUCKY | $20K | — | $20K | 5.19% |
| WLA INSURANCE LLC3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | DELTA DENTAL OF KENTUCKY | $16K | — | $16K | 4.11% |
| ALTMAN INSURANCE SERVICES3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | $9K | $60K | 15.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36K | $36K | 9.13% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2K | — | -$2K | -0.47% |
| ALTMAN INSURANCE SERVICES3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | $10K | $55K | 14.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $32K | $32K | 8.27% |
| ALTMAN INSURANCE SERVICES3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $8K | $48K | 15.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $28K | $28K | 9.23% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2K | — | -$2K | -0.80% |
| BENE RE LLC3 | 5217 MONROE ST SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE CO | — | $10K | $10K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1246 S THIRD STREET LOUISVILLE, KY 40203 | RELIASTAR LIFE INSURANCE CO | $9K | — | $9K | 6.81% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | RELIASTAR LIFE INSURANCE CO | $4K | — | $4K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD FL 4 GBS FINANCE 0 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 5.17% |
| WLA INSURANCE LLC3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.12% |
| ALTMAN INSURANCE SERVICES3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $686 | $6K | 15.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 9.52% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$480 | — | -$480 | -1.17% |
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 | 1,192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 113 | $923K |
| Dental | DELTA DENTAL OF KENTUCKY | 1,391 | $393K |
| Vision | DELTA DENTAL OF KENTUCKY | 1,185 | $92K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,521 | $302K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 427 | $390K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,062 | $388K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 926 | $1.5M |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE CO | 1,481 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,521 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.