| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $9K | 11.44% |
| RAYMOND PFEIFFER3 Filed as: RAYMOND L PFEIFFER | 2815 TAYLORSVILLE ROAD, SUITE 107 ADMINISTRATION BUILDING LOUISVILLE, KY 40205 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 11.38% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $77K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $77K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 191 | $35K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 191 | $35K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 380 | $320K |
| Other | HARTFORD LIFE AND ACCIDENT | 191 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.