| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK HAHN3 Filed as: MARK MORRISON | BROWN BROWN OF KENTUCKY 13101 MAGISTERIAL DR LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DR SUITE 200 LOUISVILLE, KY 40223 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 9.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | ATTN ACCOUNTING PO BOX 2456 CLEARWATER, FL 33757 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.43% |
| 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 | $22K | — | $22K | 11.35% |
| 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 | $7K | — | $7K | 16.65% |
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 | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 376 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,916 | $504K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 678 | $189K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 678 | $432K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 534 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,916 | — |
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.