| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING G THOMPSON COMPANY LLC3 | 401 W. MAIN STREET, SUITE 1200 LOUISVILLE, KY 402024222 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 2.81% |
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INS. SERVICES | 2001 LAKE POINT WAY LOUISVILLE, KY 402234221 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 0.94% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 16.22% |
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INS. SERVICES | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $6K | $5K | $11K | 8.71% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING THOMPSON COMPANY | 401 W. MAIN STREET, SUITE 1200 LOUISVILLE, KY 40202 | ANTHEM INSURANCE COMPANIES, INC. | $2K | $151 | $2K | 1.68% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 21.40% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 20.72% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL ROAD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA NY LIFE GRP BEN SOLUTIONS | $875 | — | $875 | 20.52% |
| LISA GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 3.19% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.16% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $2.2M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 318 | $127K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 318 | $127K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 303 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 303 | $214K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 303 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
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.