| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 2.00% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 7.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 ADMIN SERVICES | Claims processing; Contract Administrator; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $380K |
| WLA INSURANCE LLC SALES AND BASE COMM PAID | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1246 S THIRD ST LOUISVILLE, KY 40203 | $24K |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $141K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $141K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $141K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $141K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 391 | $0 |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 217 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.