| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $29K | $83K | 6.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DR ST 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 1.75% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $19K | $43K | 5.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 1.84% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $14K | $12K | $27K | 6.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $8K | — | $8K | 1.74% |
| ASSUREDPARTNERS5 Filed as: ASSURED PARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $21K | — | $21K | 6.00% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP INC | DBA INSURNACE SPECIALISTS 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46K | — | $46K | 15.09% |
| KENTUCKY PROTECTION GRP LLC3 | 1520 WESTPARY DR BOWLING GREEN, KY 42104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $427 | — | $427 | 0.14% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | DBA INSURANCE SPECIALISTS 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $6K | 5.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $965K |
| COMMONWEALTH HEALTH CORPORATION EIN 31-1118087 NONE | Claims processing; Other services Service code 12 | — | $147K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $52K |
| ACS - A XEROX COMPANY EIN 36-4129784 NONE | Other services; Claims processing Service code 12 | — | $22K |
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 | 3,680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 5,846 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,278 | $349K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,645 | $781K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,808 | $1.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 545 | $435K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 1,282 | $1.0M |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,633 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,846 | — |
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.