| 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. | $22K | $908 | $23K | 4.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | PARAMOUNT DENTAL | $17K | — | $17K | 10.00% |
| JEFFREY D HARNED3 Filed as: JEFFREY A HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $687 | $3K | 4.07% |
| 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 | 2.66% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NI LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| LIG BENEFITS LLC3 | 10007 IVYBRIDGE CIRCLE LOUISVILLE, KY 40201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $68 | $2K | 1.81% |
| WILLIAM JACK MITCHELL JR3 | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $129 | $1K | 1.35% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.29% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 0.21% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | DEARBORN LIFE INSURANCE COMPANY | $13K | — | $13K | 15.01% |
| 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 | $5K | — | $5K | 10.00% |
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 | 570 | 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) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 384 | $174K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 370 | $52K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 570 | $85K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 250 | $488K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 570 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.