| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KHA SOLUTIONS GROUP3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $117K | $12K | $129K | 11.00% |
| KHA SOLUTIONS GROUP3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $7K | $39K | 5.96% |
| KHA SOLUTIONS GROUP3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $5K | $27K | 6.00% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | AMERICAN HERITAGE LIFE | $44K | — | $44K | 12.97% |
| KENTUCKY PROTECTION GRP LLC3 | 1520 WESTPARK DR BOWLING GREEN, KY 42104 | AMERICAN HERITAGE LIFE | $591 | — | $591 | 0.17% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD, SUITE 4 BOWLING GREEN, KY 42104 | HUMANA INSURANCE COMPANY OF KENTUCKY INC | $21K | — | $21K | 7.46% |
| KHA SOLUTIONS GROUP3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $919 | $6K | 6.00% |
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 | 3,313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE | 1,137 | $341K |
| Dental | HEALTH RESOURCES INC | 5,436 | $1.3M |
| Vision | HUMANA INSURANCE COMPANY OF KENTUCKY INC | 2,146 | $284K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,490 | $658K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,664 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 477 | $457K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURNACE CO | 5,207 | $1.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,490 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,436 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.