| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE LLC DBA ALTMAN INS | — | HEALTH RESOURCES, INC. | $8K | — | $8K | 5.00% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| WILLIAM L ALTMAN3 | 12465 THIRD STREET LOUISVILLE, KY 40203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 21.98% |
| CHAD THOMPSON3 | 4404 WILDERNESS DRIVE OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310 | — | $310 | 1.47% |
| JENNIFER KELLER3 | 319 E 2ND STREET OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 0.68% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 0.60% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 16.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 TPA/NETWORK PHARMACY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing; Contract Administrator Service code 12 | — | $193K |
| WLA INSURANCE, LLC | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $30K |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 457 | $152K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 243 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 384 | $43K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 351 | $236K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 399 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.