| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G. THOMPSON COMPANY, LLC | 3006 EASTPOINT PWKY LOUISVILLE, KY 402234185 | HUMANA | $136K | $5K | $140K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | HUMANA | $65K | $4K | $69K | 1.47% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G. THOMPSON COMPANY | 3006 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | GUARDIAN | $21K | $4K | $24K | 5.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7394 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN | $7K | — | $7K | 1.48% |
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 | 963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 564 | $4.7M |
| Dental | GUARDIAN | 772 | $441K |
| Vision(2 contracts, 2 carriers) | HUMANA | 772 | $5.1M |
| Life insurance | GUARDIAN | 772 | $441K |
| Short-term disability | GUARDIAN | 772 | $441K |
| Prescription drug | HUMANA | 564 | $4.7M |
| Other | GUARDIAN | 772 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.
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.