| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 | 1246 S THIRD STREET LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $14K | $43K | 6.79% |
| WLA INSURANCE LLC3 | 1246 S THIRD STREET LOUISVILLE, KY 40203 | DELTA DENTAL OF KENTUCKY | $11K | — | $11K | 2.66% |
| MIKE S SUMMERFIELD3 Filed as: MIKE SUMMERFIELD | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | THE DENTAL CONCERN, INC. | $0 | $33 | $33 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Other fees; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $950K |
| WLA INSURANCE LLC BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Insurance services Service code 22 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | $56K |
| WILLIAM ALTMAN | Insurance brokerage commissions and fees; Insurance agents and brokers; Insurance services Service code 22 | — | $7K |
| MIKE SUMMERFIELD BROKER | Insurance services; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | $33 |
| WILLIAM ALTSMAN BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Insurance services Service code 22 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | $0 |
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 | 1,011 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,702 | $419K |
| Vision | THE DENTAL CONCERN, INC. | 825 | $75K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 992 | $627K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 992 | $627K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 992 | $627K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 992 | $627K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,702 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.