| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 | 1246 S 3RD STREET LOUISVILLE, KY 40203 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 3.71% |
| INSURAMAX INC3 Filed as: INSURAMAX | PO BOX 20829 LOUISVILLE, KY 40250 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.77% |
| WLA INSURANCE LLC3 Filed as: WLA INS LLC | 1246 S 3RD STREET LOUISVILLE, KY 40203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 8.61% |
| HAMMETT GREGORY3 | 2000 RIDGEVIEW DRIVE FLOYDS KNOBS, IN 47119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.25% |
| WLA INSURANCE LLC3 | DBA ALTMAN INSURANCE SERVICES 1246 S. 3RD STREET LOUISVILLE, KY 40203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $866 | — | $866 | 1.31% |
| WLA INSURANCE LLC3 | 1246 S THIRD STREET LOUISVILLE, KY 402033905 | COMPBENEFITS INSURANCE COMPANY | $755 | — | $755 | 6.31% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | COMPBENEFITS INSURANCE COMPANY | $390 | $26 | $416 | 3.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CLAIM ADMINISTRATION | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $7K |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 194 | $650K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 96 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $66K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $66K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $66K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.