| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G THOMPSON CO., LLC | 3006 EASTPOINT PKWY LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $42K | $7K | $49K | 3.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $14K | — | $14K | 0.87% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | $35K | $6K | $41K | 17.61% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G THOMPSON CO. | 3006 EASTPOINT PKWY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $6K | — | $6K | 4.99% |
| AP WHOLESALE INSURANCE SERVICES LLC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $3K | $3K | $6K | 4.98% |
| MEDLINK INC3 Filed as: MEDLINK INC. | P.O. BOX 23570 LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $2K | $6K | 4.90% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | $11K | $1K | $13K | 22.53% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | $8K | $1K | $10K | 22.09% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA SUPP HEALTH SOLUTION | $4K | $1K | $5K | 24.63% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA SUPP HEALTH SOLUTION | $3K | $626 | $4K | 24.29% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | $1K | $177 | $2K | 21.25% |
| LISA GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 1.64% |
| DEE ANN SLADE3 Filed as: DEE SLADE | 104 POTOMAC CT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 1.33% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.02% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA SUPP HEALTH SOLUTION | $125 | $60 | $185 | 29.55% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 181 | $1.6M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 325 | $124K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 325 | $124K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | 454 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | 323 | $234K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | 454 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.