| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $109K | $7K | $116K | 13.48% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LEXINGTON, KY 40203 | DELTA DENTAL OF KENTUCKY | $12K | — | $12K | 1.86% |
| WILLIAM L ALTMAN3 | 12465 THIRD STREET LOUISVILLE, KY 40203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32K | — | $32K | 14.87% |
| CHAD THOMPSON3 | 2961 TRAILS WAY OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.71% |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $582 | — | $582 | 0.27% |
| JENNIFER KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | — | $226 | 0.10% |
| COY BRYAN KERSEY3 Filed as: COY B KERSEY | 125 BIG SINK PIKE SUITE C VERSAILLES, KY 40383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.04% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.04% |
| GARETT J KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.02% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | — | HM LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
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 | 1,327 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,147 | $658K |
| Vision | HM LIFE INSURANCE COMPANY | 2,021 | $169K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,327 | $860K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,327 | $860K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,327 | $860K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,327 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,147 | — |
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.