| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | EMPHESYS INSURANCE COMPANY | $9K | $0 | $9K | 2.72% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 5.49% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY, INC. | 595 STEWART AVENUE, SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 3.91% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN DEALER SERVICES, LLC | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.06% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | HUMANA | $6K | $0 | $6K | 9.71% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | HUMANA | $98 | $0 | $98 | 0.16% |
| CHAD L NELSON3 Filed as: CHAD M. THOMPSON | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $619 | $45 | $664 | 2.80% |
| JESSICA MURPHY3 | 273 RESOLUTION WAY OWENSBORO, KY 42301 | AFLAC | $425 | $182 | $607 | 2.56% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $494 | $38 | $532 | 2.24% |
| JOY RENEE WEST & OTHER AGENTS3 | 404 WEST 8TH STREET OWENSBORO, KY 42301 | AFLAC | $415 | $0 | $415 | 1.75% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $240 | — | $240 | 1.01% |
| THOMPSON BENEFITS & ENROLLMENT3 | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $203 | $0 | $203 | 0.86% |
| JUSTIN K. BUSH3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $135 | $0 | $135 | 0.57% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.95% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 15.81% |
| JUDY STEVENS3 | 2132 LEAFLAND PIACE LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $351 | $1 | $352 | 7.32% |
| THERESA PEDDICORD3 | 2025 CLAYS MILL ROAD LEXINGTON, KY 40503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.56% |
| MIKE TERRY3 | 1505 CASPER COURT LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.35% |
| MARGARET C TERRY3 Filed as: MARGARET C. TERRY | 1505 CASPER COURT LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.17% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY OF NEW YORK | $108 | $0 | $108 | 2.60% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPHESYS INSURANCE COMPANY | 79 | $338K |
| Dental | HUMANA | 90 | $61K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 174 | $11K |
| Life insurance | AFLAC | 38 | $24K |
| Short-term disability | STANDARD INSURANCE COMPANY | 117 | $84K |
| Long-term disability | STANDARD INSURANCE COMPANY | 117 | $84K |
| Other(4 contracts, 4 carriers) | AFLAC | 124 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.