| 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. | $25K | — | $25K | 4.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | PARAMOUNT DENTAL | $19K | — | $19K | 10.00% |
| JEFFREY D HARNED3 Filed as: JEFFREY A HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $852 | $4K | 4.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NI LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.15% |
| LIG BENEFITS LLC3 | 10007 IVYBRIDGE CIRCLE LOUISVILLE, KY 40201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $106 | $1K | 1.62% |
| WILLIAM JACK MITCHELL JR3 | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $101 | $1K | 1.29% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | — | $268 | 0.30% |
| DIANE MARIE JARBOE3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | — | $268 | 0.30% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | — | $194 | 0.22% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | DEARBORN GROUP | $13K | $2K | $15K | 16.81% |
| 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 | $6K | — | $6K | 9.99% |
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 | 531 | 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) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 391 | $189K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 379 | $61K |
| Life insurance | DEARBORN GROUP | 560 | $88K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 271 | $537K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 560 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.