| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 9.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE-LOUISVILLE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 14.91% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | $37 | $613 | 13.51% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $7 | $51 | 1.12% |
| THERESA PEDDICORD3 | 151 MAY CT NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 1.01% |
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 | 40 | 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) | 40 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 261 | $60K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 175 | $10K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $5K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 52 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.