| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC. | $68K | $8K | $76K | 4.40% |
| GREGORY A HAMMETT3 | 1246 S THIRD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC. | — | $58 | $58 | 0.00% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | DELTA DENTAL OF KENTUCKY | $23K | — | $23K | 18.30% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $695 | $5K | 4.80% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.01% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $516 | $2K | 2.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| RICHARD S ABBOTT SR3 | 2739 LAURELSTONE LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $647 | — | $647 | 0.62% |
| JODIE LYNN BRYANT3 | 104 HOLLOW CREEK DRIVE FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.17% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.17% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.09% |
| MARSHA CLARKSON3 | 6311 FAIRPLAY ROAD COLUMBIA, KY 42728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.08% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.04% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP, INC. | 4021 ST GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $12K | 18.10% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 18.20% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 20.14% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $659 | $4K | 18.17% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 8.42% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | KANAWHA INSURANCE COMPANY | -$61 | — | -$61 | -0.51% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $172 | $2K | 16.89% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | MANHATTANLIFE | $412 | — | $412 | 7.24% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC DBA ALTMAN INS | 1246 S THIRD STREET LOUISVILLE, KY 40203 | HYATT LEGAL PLANS | $245 | — | $245 | 10.31% |
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 | 339 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 275 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 490 | $162K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $37K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $101K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $90K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $58K |
| Other(7 contracts, 7 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 339 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.