| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 | 1246 S THIRD STREET LOUISVILLE, KY 402033905 | HUMANA HEALTH PLAN, INC. | $34K | $4K | $37K | 5.52% |
| WLA INSURANCE LLC3 | DBA ALTMAN INSURANCE SERVICES 1246 S 3RD STREET LOUISVILLE, KY 40203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 12.58% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $259 | $259 | 0.36% |
| WLA INSURANCE LLC3 | 1246 S THIRD STREET LOUISVILLE, KY 402033905 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CLAIM ADMINISTRATION | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services 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 | 98 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 100 | $671K |
| Vision | HUMANA INSURANCE COMPANY | 92 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $72K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $72K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $72K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.