| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVEENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM INSURANCE COMPANIES, INC. | $64K | — | $64K | 3.28% |
| SKYLINE TERRACE LLC3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | ANTHEM INSURANCE COMPANIES, INC. | $14K | — | $14K | 0.71% |
| WLA INSURANCE LLC3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 6.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLDING MEADOWS, IL 600084050 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 3.45% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | HUMANA INSURANCE COMPANY | $990 | — | $990 | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084050 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | — | $13K | 17.13% |
| WLA INSURANCE LLC3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | AMERICAN UNITED LIFE INSURANCE COMPANY | -$1K | — | -$1K | -1.42% |
| WLA INSURANCE LLC4 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | HUMANA INSURANCE COMPANY | $501 | — | $501 | 6.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084050 | HUMANA INSURANCE COMPANY | $256 | — | $256 | 3.49% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | HUMANA INSURANCE COMPANY | $83 | — | $83 | 1.13% |
| WILLIAM L ALTMAN3 Filed as: WILLIAM L. ALTMAN | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC | — | $308 | $308 | 109.61% |
| WLA INSURANCE LLC3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC | -$4 | — | -$4 | -1.42% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 216 | $2.0M |
| Dental | HUMANA INSURANCE COMPANY | 207 | $87K |
| Vision | HUMANA INSURANCE COMPANY | 217 | $7K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 273 | $78K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 273 | $78K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 273 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
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.