| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASH GROUP LLC3 | PO BOX 706 PROSPECT, KY 400590706 | DELTA DENTAL OF KENTUCKY | $25K | — | $25K | 9.74% |
| ASH GROUP LLC3 | 9509 US HIGHWAY 42 SUITE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 20.00% |
| ASH GROUP LLC3 | 9509 US HIGHWAY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 20.00% |
| ASH GROUP LLC3 | 9509 US HIGHWAY 42 SUITE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| ASH GROUP LLC3 Filed as: ASH GROUP, LLC | PO BOX 706 PROSPECT, KY 400590706 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.66% |
| ASH GROUP LLC3 | PO BOX 706 PROSPECT, KY 40059 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.99% |
| WELLNESS OF AMERICA LLC3 | PO BOX 427 ASPEN, CO 81612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF ARIZONA | 2800 N CENTRAL AVE SUITE 1600 PHOENIX, AZ 85004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $862 | — | $862 | 1.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | P O BOX 23410 LOUISVILLE, KY 40232 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $477 | — | $477 | 0.79% |
| WELLNESS OF AMERICA LLC3 | PO BOX 427 ASPEN, CO 81612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $7 | $4K | 8.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF ARIZONA | 2800 N CENTRAL AVE SUITE 1600 PHOENIX, AZ 85004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1 | $3K | 5.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | PO BOX 23410 LOUISVILLE, KY 40232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2 | $2K | 2.95% |
| ASH GROUP LLC3 | PO BOX 706 PROSPECT, KY 40059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $209 | $209 | 0.39% |
| ASH GROUP LLC3 | 9509 US HIGHWAY 42 SUITE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DR SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $381 | — | $381 | 11.84% |
| MOORE INSURANCE AGENCY INC.3 Filed as: MOORE INSURANCE AGENCY LLC | PO BOX 176 RUSSELLVILLE, KY 42276 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DR SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 11.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC. | 13101 MAGISTERIAL DR SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 13.72% |
| MOORE INSURANCE AGENCY INC.3 Filed as: MOORE INSURANCE AGENCY LLC | PO BOX 176 RUSSELLVILLE, KY 42276 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 2.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DR SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 15.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DR SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 15.10% |
| ASH GROUP LLC3 | PO BOX 706 PROSPECT, KY 400590706 | HUMANA INSURANCE COMPANY | $146K | $2K | $148K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC-LOUISVILLE | 13101 MAGESTERIAL DRIVE SUITE 200 LOUISVILLE, KY 402235139 | HUMANA INSURANCE COMPANY | -$55 | — | -$55 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 52-1157181 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1100 EMPLOYERS BLVD GREEN BAY, WI 54344 | $904K |
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. |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 672 | $7K |
| Dental | DELTA DENTAL OF KENTUCKY | 1,434 | $252K |
| Vision | HUMANA INSURANCE COMPANY | 718 | $63K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 785 | $170K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $64K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 252 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,434 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.