| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $54K | — | $54K | 3.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY | $8K | — | $8K | 3.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTRIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $26K | — | $26K | 12.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $3K | $10K | 13.73% |
| JOHN EDWARD SHAFF3 | 1566 STONINGTON ROAD MITCHELL, IN 47446 | AFLAC | $4K | $182 | $5K | 10.40% |
| MICHAEL T ABSHER3 | 4304 LORIANN BOULEVARD NEW ALBANY, IN 47150 | AFLAC | $633 | — | $633 | 1.44% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $461 | $36 | $497 | 1.13% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | AFLAC | $246 | $36 | $282 | 0.64% |
| CHRIS A GEHLHAUSEN3 | 2602 NEWTON STREET SUITE B JASPER, IN 47546 | AFLAC | $261 | — | $261 | 0.59% |
| JUSTIN M GUIDI3 | 555 NORTH PLEASANTBURG DRIVE SUITE 200 GREENSVILLE, SC 29661 | AFLAC | $185 | — | $185 | 0.42% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $145 | — | $145 | 0.33% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $122 | — | $122 | 0.28% |
| SHAWN M COLIN3 | 821 MOUNT TABOR ROAD SUITE 202 NEW ALBANY, IN 47150 | AFLAC | $47 | — | $47 | 0.11% |
| WILLIAM W ELLIOTT, II3 Filed as: WILLIAM ELLIOTT II | 7463 SALEM NOBLE ROAD CHARLESTOWN, IN 47111 | AFLAC | $35 | — | $35 | 0.08% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DRIVE CARMEL, IN 46033 | AFLAC | $31 | — | $31 | 0.07% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $24 | — | $24 | 0.05% |
| GEMINI INSURANCE INC3 | 14406 FAIRFIELD GARDENS DRIVE LOUISVILLE, KY 40245 | AFLAC | $22 | — | $22 | 0.05% |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DRIVE LOUISVILLE, KY 40245 | AFLAC | $22 | — | $22 | 0.05% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $12 | — | $12 | 0.03% |
| JASON A NAVILLE3 | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | AFLAC | $10 | — | $10 | 0.02% |
| ROBERT W BURGETT3 | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | AFLAC | $7 | — | $7 | 0.02% |
| JOHN TYLER & ASSOCIATES3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $5 | — | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 12.34% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 244 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 150 | $71K |
| Vision(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 244 | $1.8M |
| Life insurance(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 336 | $230K |
| Short-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 336 | $230K |
| Long-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 336 | $230K |
| Other(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 150 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.