| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SKYLINE TERRACE LLC3 Filed as: SKYLINE TERRACE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $19K | $11K | $31K | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $14K | $0 | $14K | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | AMERICAN UNITED LIFE INSURANCE COMPANY | $21K | $6K | $27K | 11.49% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.30% |
| WATCH TOWER BENEFITS3 | UNKNOWN FRANKFORT, KY 40602 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF KENTUCKY | $11K | $0 | $11K | 6.48% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 3.10% |
| MARGARET C TERRY3 Filed as: MARGARET C. TERRY | 1505 CASPER COURT LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $310 | $6K | 5.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $110 | $3K | 2.27% |
| MIKE TERRY3 | 1505 CASPER COURT LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $45 | $1K | 1.19% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $786 | $0 | $786 | 0.71% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M. BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $735 | — | $735 | 0.66% |
| MARSHA CLARKSON3 Filed as: MARSHA CLARKSON AND OTHER AGENTS | 6311 FAIRPLAY ROAD COLUMBIA, KY 42728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $0 | $141 | 0.13% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 0.10% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | THE DENTAL CONCERN, INC. | $4K | $0 | $4K | 9.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | THE DENTAL CONCERN, INC. | $354 | $0 | $354 | 0.76% |
| UNKNOWN3 | UNKNOWN FRANKFORT, KY 40602 | NEW BENEFITS, LTD | $7K | $0 | $7K | 21.93% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | MANHATTANLIFE | $2K | $0 | $2K | 10.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | MANHATTANLIFE | $504 | $0 | $504 | 2.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $541 | $0 | $541 | 6.95% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | METLIFE LEGAL PLANS | $227 | $0 | $227 | 2.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 1.36% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 444 | $2.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 600 | $169K |
| Vision | THE DENTAL CONCERN, INC. | 336 | $46K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 416 | $238K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 416 | $238K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 416 | $238K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 444 | $2.1M |
| Other(6 contracts, 6 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 416 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.