| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE | 1246 S THIRD STREET LOUISVILLE, KY 40203 | CAREFIRST BLUECHOICE | $18K | $44 | $18K | 2.18% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | CAREFIRST BLUECHOICE | $11K | $44 | $11K | 1.34% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE | 1246 S THIRD STREET LOUISVILLE, KY 40203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 10.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.00% |
| GREGORY HAMMETT3 | 2000 RIDGEWAY DRIVE FLOYDS KNOBS, IN 47119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 4.78% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE | 1246 S THIRD STREET LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.00% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 2200 GREENE WAY LOUISVILLE, KY 40250 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.97% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE | 1246 S THIRD STREET LOUISVILLE, KY 40203 | MONUMENTAL LIFE INSURANCE COMPANY | $77 | — | $77 | 2.64% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 2200 GREENE WAY LOUISVILLE, KY 40250 | MONUMENTAL LIFE INSURANCE COMPANY | $55 | — | $55 | 1.89% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 108 | $835K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $102K |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 135 | $937K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $105K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $105K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $105K |
| Prescription drug | CAREFIRST BLUECHOICE | 108 | $835K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.