| 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. | $46K | $2K | $48K | 2.73% |
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INS SERVICES | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $12K | — | $12K | 0.65% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $3K | — | $3K | 0.15% |
| CHAPIN COLLINS3 | 2005 ROUND RIDGE ROAD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC. | $0 | $62 | $62 | 0.00% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | $32K | — | $32K | 15.00% |
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INS. SERVICES | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $6K | $6K | $13K | 8.61% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G THOMPSON CO. | 3006 EASTPOINT PKWY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $2K | — | $2K | 1.42% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | $11K | — | $11K | 20.00% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | $8K | — | $8K | 19.14% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA SUPP HEALTH SOLUTION | $4K | — | $4K | 20.00% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA SUPP HEALTH SOLUTION | $3K | — | $3K | 19.99% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | $1K | — | $1K | 18.57% |
| LISA GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 2.02% |
| DEE ANN SLADE3 Filed as: DEE SLADE | 104 POTOMAC CT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 1.73% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.15% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA SUPP HEALTH SOLUTION | $30 | — | $30 | 20.00% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 121 | $1.8M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 350 | $147K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 350 | $147K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | 250 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | 142 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | 237 | $215K |
| Other(7 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 314 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.