| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | GUARDIAN | $30K | — | $30K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7 / 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | GUARDIAN | $11K | — | $11K | 1.81% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $41K | $61K | $102K | 18.46% |
| WLA INSURANCE LLC3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | — | $42K | 21.53% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | 3306 SPRING RIDGE PKWY OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2.94% |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.86% |
| JENNIFER KELLER3 | 422 FREDERICA ST OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $437 | — | $437 | 0.23% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.10% |
| COY BRYAN KERSEY3 Filed as: COY B KERSEY | 603 LAURELWOOD DR MILTON, FL 32570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.06% |
| COCHRAN INSURANCE GROUP INC3 Filed as: COCHRAN INSURANCE SERVICES LLC | 517 RIDGE VIEW DR NICHOLASVILLE, KY 40356 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2K | — | -$2K | -1.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $281K |
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 | 1,371 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 1,104 | $591K |
| Vision | GUARDIAN | 1,104 | $591K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,140 | $550K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,140 | $550K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,140 | $550K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,140 | $743K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,140 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.