| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FSAB LLC3 | 222 E WITHERSPOON STREET SUITE 105B LOUISVILLE, KY 40202 | ANTHEM BLUE CROSS BLUE SHIELD | $762K | $4K | $766K | 2.80% |
| BENEFIC ADMINISTRATIVE SOLUTIONS LL | 222 E WITHERSPOON STREET SUITE 105B LOUISVILLE, KY 40202 | ANTHEM BLUE CROSS BLUE SHIELD | $252K | — | $252K | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN ISURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | ANTHEM BLUE CROSS BLUE SHIELD | $60K | $800 | $61K | 0.22% |
| WLA INSURANCE LLC3 | 1246 S THIRD STREET LOUISVILLE, KY 40203 | ANTHEM BLUE CROSS BLUE SHIELD | $59K | $800 | $60K | 0.22% |
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING THOMPSON COMPANY LLC | 3006 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | ANTHEM BLUE CROSS BLUE SHIELD | $48K | $0 | $48K | 0.17% |
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 | 5,201 | 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) | 5,201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 5,201 | $27.4M |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 5,201 | $27.4M |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 5,201 | $27.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,201 | — |
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."
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.