| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $16K | — | $16K | 3.71% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC | 1945 SCOTTSVILLE ROAD SUITE 100 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $13K | — | $13K | 3.15% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NL INS AGENCY - LOUISVILLE | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | — | $3K | $3K | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MAURICE PHILIP BROWN | — | HEALTH RESOURCES, INC. | $10K | — | $10K | 5.81% |
| MATTHEW FUQUA3 Filed as: MATTHEW T FUQUA | ASSURED NL INSURANCE AGENCY INC 2305 RIVER ROAD LOUISVILLE, KY 40206 | HEALTH RESOURCES, INC. | $7K | — | $7K | 4.19% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGEN | 2305 RIVER ROAD LOUISVILLE, KY 40206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $448 | $7K | 5.28% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $911 | $5K | 3.68% |
| WILLIAM JACK MITCHELL JR3 | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $259 | $2K | 1.40% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $916 | $116 | $1K | 0.76% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $725 | $88 | $813 | 0.60% |
| DIANE MARIE JARBOE3 | 3013 APACHE DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $736 | $57 | $793 | 0.58% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGEN | 2305 RIVER ROAD LOUISVILLE, KY 40206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $656 | — | $656 | 0.48% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | $25 | $569 | 0.42% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $6 | $269 | 0.20% |
| CHRISTY HACKER3 | 2605 FRANKLIN AVENUE LOUISVILLE, KY 40216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $5 | $158 | 0.12% |
| BRYAN BAKER3 | 2414 MAGNOLIA COURT CLARKSVILLE, IN 47129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.09% |
| DOUGLAS WAYNE CARROLL3 | 5331 PAVILION WAY LOUISVILLE, KY 40291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.08% |
| ROBERT A CHAFFEE3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $70 | $98 | 0.07% |
| QUINN F PEARL3 | 11702 FRANK AVENUE LOUISVILLE, KY 40243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $192 | $4K | 7.90% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC DBA NEACE LUKENS | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.03% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NL INSURANCE | 2305 RIVER ROAD LOUISVILLE, KY 40206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.97% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC DBA NEACE LUKENS | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $123 | $3K | 7.67% |
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 | 514 | 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) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES, INC. | 432 | $180K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 419 | $46K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 524 | $51K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 321 | $428K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 524 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.