| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY INC-LOU | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 4.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 13.29% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $732 | $53 | $785 | 3.55% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $501 | $41 | $542 | 2.45% |
| JOY RENEE WEST3 | 404 WEST 8TH STREET OWENSBORO, KY 42301 | AFLAC | $345 | $123 | $468 | 2.12% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $255 | $41 | $296 | 1.34% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $135 | — | $135 | 0.61% |
| RALPH P WAGGONER3 | 7984 OAK HURST HENDERSON, KY 42420 | AFLAC | $114 | — | $114 | 0.52% |
| JOSEPH L EAMES3 | 2854 AVENUE OF THE PARK OWENSBORO, KY 42303 | AFLAC | $48 | — | $48 | 0.22% |
| KYNDAL L THOMPSON3 | 4238 NORTH WALNUT STREET RICHLAND, IN 47634 | AFLAC | $28 | — | $28 | 0.13% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $14 | — | $14 | 0.06% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $5 | — | $5 | 0.02% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $3 | — | $3 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $2 | — | $2 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AN BROWN INSURANCE-LOUISVILLE | 13101 MAGISTERIAL DRIVE #200 LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 16.31% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $316 | — | $316 | 6.86% |
| THERESA PEDDICORD3 | 1001 #A NOKOMIS STREET DANVILLE, KY 40422 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 1.00% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.50% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 73 | $222K |
| Dental | DELTA DENTAL OF KENTUCKY | 259 | $70K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 162 | $10K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 5 | $5K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 50 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.