| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FSAB LLC3 | 620 S THIRD STREET 102 LOUISVILLE, KY 40202 | ANTHEM BLUE CROSS AND BLUE SHIELD | $416K | $39K | $455K | 3.57% |
| BENEFIC ADMINISTRATIVE SOLUTIONS LL5 | 620 S. 3RD STREET STE 601 LOUISVILLE, KY 40202 | ANTHEM BLUE CROSS AND BLUE SHIELD | — | $76K | $76K | 0.59% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G THOMPSON | 545 S THIRD STREET 300 LOUISVILLE, KY 40202 | ANTHEM BLUE CROSS AND BLUE SHIELD | $58K | $0 | $58K | 0.45% |
| 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 AND BLUE SHIELD | $18K | $0 | $18K | 0.14% |
| WLA INSURANCE LLC3 | 1246 S THIRD STREET LOUISVILLE, KY 40203 | ANTHEM BLUE CROSS AND BLUE SHIELD | $14K | $3K | $16K | 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 | 1,713 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,989 | $12.7M |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,989 | $12.7M |
| Life insurance | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,989 | $12.7M |
| Short-term disability | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,989 | $12.7M |
| Long-term disability | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,989 | $12.7M |
| Other | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,989 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,989 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.