| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FSAB LLC3 | 136 BRECKENRIDGE LANE SUITE 101 LOUISVILLE, KY 40207 | ANTHEM BLUE CROSS BLUE SHIELD | $1.7M | $0 | $1.7M | 4.29% |
| BENEFIC ADMINISTRATIVE SOLUTIONS LL5 Filed as: BENEFIC ADMIN SOLUTIONS LLC | 136 BRECKENRIDGE LANE SUITE 101 LOUISVILLE, KY 40207 | ANTHEM BLUE CROSS BLUE SHIELD | $0 | $369K | $369K | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | ANTHEM BLUE CROSS BLUE SHIELD | $118K | $226 | $118K | 0.30% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING THOMPSON COMPANY | 401 W MAIN STREET LOUISVILLE, KY 40202 | ANTHEM BLUE CROSS BLUE SHIELD | $62K | $70 | $62K | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM BLUE CROSS BLUE SHIELD | $49K | $279 | $49K | 0.13% |
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 | 5,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 5,793 | $39.1M |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 5,793 | $39.1M |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 5,793 | $39.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,793 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.