| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $97K | — | $97K | 6.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 7.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $4K | $370 | $5K | 0.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | PO BOX 1627 OWENSBORO, KY 42302 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 0.82% |
| 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 | $26K | — | $26K | 11.41% |
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 | 1,902 | 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) | 1,902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 483 | $1.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,909 | $463K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 702 | $705K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 702 | $705K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 550 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,909 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.