| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S 3RD STREET LOUISVILLE, KY 40203 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 2.33% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | PO BOX 20829 LOUISVILLE, KY 40250 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 1.33% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S 3RD STREET LOUISVILLE, KY 40203 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 6.94% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 6.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.44% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $484 | $3K | 2.98% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $664 | $3K | 2.22% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.08% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | PO BOX 20829 LOUISVILLE, KY 40250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.18% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S 3RD STREET LOUISVILLE, KY 40203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.97% |
| RICHARD S ABBOTT SR3 | 16405 CHEYENNE DRIVE IOWA, LA 70647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.89% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 0.23% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.12% |
| MARSHA CLARKSON3 | 6311 FAIRPLAY ROAD COLUMBIA, KY 42728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.11% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.06% |
| BART GAUNT3 | 4021 ST GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| LAKETA F HATFIELD3 | 1080 BOND AND LILLARD ROAD LAWRENCEBURG, KY 40342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | KANAWHA INSURANCE COMPANY | $204 | — | $204 | 2.18% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 2200 GREENE WAY PO BOX 20829 LOUISVILLE, KY 40250 | HYATT LEGAL PLANS | $559 | — | $559 | 11.36% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | KANAWHA INSURANCE COMPANY | $33 | — | $33 | 1.99% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $305K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $305K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $305K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $305K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $305K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.