| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | — | $13K | 8.07% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE LLC DBA ALTMAN INS | — | HEALTH RESOURCES, INC. | $7K | — | $7K | 5.00% |
| WLA INSURANCE LLC3 Filed as: WLA INS LLC | 1246 S 3RD STREET LOUISVILLE, KY 40203 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 41.28% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 S THIRD STREET LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $3K | 16.16% |
| WLA INSURANCE LLC3 Filed as: WLA INS LLC | 1246 S 3RD STREET LOUISVILLE, KY 40203 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 41.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 TPA/NETWORK PHARMACY | Insurance agents and brokers; Other fees; Other commissions; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Insurance brokerage commissions and fees; Contract Administrator Service code 12 | — | $264K |
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 | 432 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 416 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $20K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 432 | $161K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 432 | $161K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 432 | $161K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 0 | $0 |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 432 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.