| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | EMPHESYS INSURANCE COMPANY | $9K | $0 | $9K | 3.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $6K | $0 | $6K | 9.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 14.85% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $316 | $0 | $316 | 6.86% |
| THERESA PEDDICORD3 | 2025 CLAYS MILL ROAD LEXINGTON, KY 40503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 1.00% |
| MIKE TERRY3 | 1505 CASPER COURT LEXINGTON, KY 45011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY OF NEW YORK | $200 | $0 | $200 | 9.96% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPHESYS INSURANCE COMPANY | 78 | $275K |
| Dental | DELTA DENTAL OF KENTUCKY | 262 | $68K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 165 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $0 |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $74K |
| Prescription drug(2 contracts, 2 carriers) | EMPHESYS INSURANCE COMPANY | 78 | $275K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 121 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.