| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G THOMPSON CO | 545 S. THIRD STREET, STE 300 LOUISVILLE, KY 40202 | ANTHEM INSURANCE COMPANIES, INC. | $17K | — | $17K | 1.31% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $7K | — | $7K | 0.58% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 15.00% |
| MEDLINK INC3 Filed as: MEDLINK INC. - CENTRAL KY | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 3.70% |
| MEDLINK INC3 Filed as: MEDLINK INC. | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $0 | $3K | $3K | 3.01% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 20.00% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 19.11% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G THOMPSON CO | 545 S. THIRD STREET, STE 300 LOUISVILLE, KY 40202 | ANTHEM INSURANCE COMPANIES, INC. | $307 | — | $307 | 1.32% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $137 | — | $137 | 0.59% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $967 | — | $967 | 18.68% |
| LISA GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 1.74% |
| DEE ANN SLADE3 Filed as: DEE SLADE | 104 POTOMAC CT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 1.43% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.12% |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 296 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 179 | $91K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 301 | $23K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 279 | $182K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 277 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.