| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE LLC DBA ALTMAN INS | — | HEALTH RESOURCES, INC. | $7K | — | $7K | 5.00% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 3.87% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.17% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $6K | 19.30% |
| 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 | 13.98% |
| WILLIAM L ALTMAN3 | 12465 THIRD STREET LOUISVILLE, KY 40203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 25.79% |
| JENNIFER KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.71% |
| CHAD THOMPSON3 | 4404 WILDERNESS DRIVE OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.63% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.33% |
| WLA INSURANCE LLC3 Filed as: WLA INS LLC | 1246 S 3RD STREET LOUISVILLE, KY 40203 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 65.24% |
| WLA INSURANCE LLC3 Filed as: WLA INS LLC | 1246 S 3RD STREET LOUISVILLE, KY 40203 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 64.76% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $398 | $398 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 TPA/NETWORK PHARMACY | Other services; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $226K |
| WLA INSURANCE, LLC | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $29K |
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 | 415 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 420 | $147K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 415 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 349 | $47K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 318 | $234K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 415 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.