| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENTUCKY HOSPITAL SERVICE CO3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $28K | — | $28K | 1.71% |
| WLA INSURANCE LLC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| KENTUCKY HOSPITAL SERVICE CO3 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 16.03% |
| CHAD THOMPSON3 | 2961 TRAILS WAY OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.03% |
| JENNIFER KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 0.64% |
| GARETT J KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| TYLER M TRAVIS3 | 707 LESLIE AVE GLASGOW, KY 42141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LOUSIVILLE, KY 40203 | GUARDIAN | $782 | $338 | $1K | 7.16% |
| ALTMAN INSURANCE SERVICES3 | — | TELADOC | $2K | — | $2K | 23.11% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 240 | $1.6M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 240 | $1.6M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 240 | $1.7M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 139 | $103K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 139 | $103K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 139 | $103K |
| Other(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 240 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.