| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $137K | $34K | $171K | 12.46% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $21K | $59K | 7.64% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $14K | $40K | 7.78% |
| KENTUCKY HOSPITAL SERVICE CO3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCK INC | $5K | — | $5K | 0.99% |
| ASSURED NEACE LUKENS INS. AGENCY5 Filed as: ASSURED NEACE LUKENS INSURANCE | 2305 RIVER ROAD LOUISVILLE, KY 40206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20K | — | $20K | 6.00% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | AMERICAN HERITAGE LIFE | $46K | — | $46K | 15.92% |
| KENTUCKY PROTECTION GRP LLC3 | 1520 WESTPARK DR BOWLING GREEN, KY 42104 | AMERICAN HERITAGE LIFE | $586 | — | $586 | 0.20% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGCY | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 5.30% |
| KHA SOLUTIONS GROUP3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $8K | 7.69% |
| KENTUCKY HOSPITAL SERVICE CO3 Filed as: KENTUCKY HOSPITAL SERVICE COMPANY | PO BOX 436629 LOUISVILLE, KY 40253 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 7.58% |
| KENTUCKY HOSPITAL SERVICE CO3 Filed as: KENTUCKY HOSPITAL SERVICE CO OF KY | 2501 NELSON MILLER PKWY 200 LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 29.19% |
| CHAD THOMPSON3 | 4404 WILDERESS DR OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 27.14% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 222 KENTUCKY AVE STE 3 PADUCAH, KY 42003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $249 | — | $249 | 1.36% |
| JENNIFER KELLER3 | 319 E 2ND ST OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 1.35% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $199 | $1K | 13.88% |
| KHA SOLUTIONS GROUP5 | PO BOX 436629 LOUISVILLE, KY 40253 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $900 | — | $900 | 9.94% |
| PLAN CHOICE5 Filed as: PLAN CHOICE INC | 13257 OBANNON STATION WAY LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $270 | — | $270 | 2.98% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $592 | $193 | $785 | 13.26% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $164 | $61 | $225 | 20.55% |
| WILLIAM H. MEYER AGENCY, INC.3 Filed as: WILLIAM H MEYER AGENCY IN | 1660 NW PROFESSIONAL PLZ STE J COLUMBUS, OH 43220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110 | — | $110 | 10.05% |
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 | 3,024 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 78 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE | 1,261 | $462K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 5,500 | $26K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,038 | $345K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,629 | $787K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,786 | $1.4M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $515K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 2,465 | $986K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,629 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,500 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.