| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 402235139 | HUMANA INSURANCE COMPANY | $75K | — | $75K | 10.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 402235139 | HUMANA INSURANCE COMPANY | — | $3K | $3K | 0.36% |
| ANGELA S WEILAGE3 Filed as: ANGELA WEILAGE | SUITE 200 13101 MAGISTERIAL DR LOUISVILLE, KY 402235139 | HUMANA INSURANCE COMPANY | — | $41 | $41 | 0.01% |
| REISERT & ASSOCIATES INC3 Filed as: REISERT & ASSOCIATES | 1700 UPS DR LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $14K | — | $14K | 5.95% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR STE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 12.07% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & ASSOCIATES INC-2V230 | 521 BARRET AVE LOUISVILLE, KY 40204 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.39% |
| DRURY GROUP, INC3 Filed as: DRURY & COMPANY INC-1D730 | PO BOX 869 FRANKLIN, TN 370650869 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR STE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| MEDLINK INC3 Filed as: MEDLINK INC-CENTRAL KY | PO BOX 23570 LOUISVILLE, KY 402230570 | THE DENTAL CONCERN, INC. | $5K | — | $5K | 9.94% |
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 402230570 | THE DENTAL CONCERN, INC. | — | $488 | $488 | 0.90% |
| ANGELA S WEILAGE3 Filed as: ANGELA WEILAGE | SUITE 200 13101 MAGISTERIAL DR LOUISVILLE, KY 402235139 | THE DENTAL CONCERN, INC. | — | $32 | $32 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ALLSTATE | $3K | — | $3K | 6.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ALLSTATE | $10 | — | $10 | 0.03% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $729 | — | $729 | 15.01% |
| MEDLINK INC3 Filed as: MEDLINK INC. | PO BOX 23570 LOUISVILLE, KY 402230570 | HUMANA BEHAVIORAL HEALTH INC. | — | $4 | $4 | — |
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 | 574 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 456 | $790K |
| Dental | DELTA DENTAL OF KENTUCKY | 833 | $242K |
| Vision | THE DENTAL CONCERN, INC. | 360 | $54K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD | 574 | $283K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 574 | $120K |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 583 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.