| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREEN & HALLIBURTON INC3 Filed as: GREEN & HALLIBURTON, INC. | 521 BARRET AVE LOUISVILLE, KY 40204 | ANTHEM HEALTH PLANS OF KENTUCKY | $39K | $44 | $39K | 5.53% |
| GREN & HALLIBURTON, INC.3 | 521 BARRET AVE. LOUISVILLE, KY 40204 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $4K | $0 | $4K | 12.93% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO. | 120 E 4TH STREET SUITE 1500 CINCINNATI, OH 45202 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $64 | $0 | $64 | 0.22% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | 419 PLUM STREET CINCINNATI, OH 45202 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $10 | $0 | $10 | 0.03% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & HALLIBURTON, INC. | 521 BARRET AVE LOUISVILLE, KY 40204 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | $0 | $44 | 11.40% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY | 212 | $713K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY | 212 | $713K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 67 | $29K |
| Short-term disability | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 67 | $29K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 67 | $29K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 67 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.