| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 LOUISVILLE, KY 40059 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 0.29% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | DELTA DENTAL OF KENTUCKY | $28K | $16K | $44K | 16.06% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 20.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.04% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.09% |
| WELLNESS OF AMERICA LLC3 | P O BOX 427 ASPEN, CO 81612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $681 | — | $681 | 1.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY | P O BOX 23410 LOUISVILLE, KY 40232 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 0.21% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 LOUISVILLE, KY 40059 | HUMANA INSURANCE COMPANY | $177K | — | $177K | 274.60% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 LOUISVILLE, KY 40059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.09% |
| WELLNESS OF AMERICA LLC3 | P O BOX 427 ASPEN, CO 81612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | P O BOX 23410 LOUISVILLE, KY 40232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $371 | — | $371 | 0.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - HEADQUARTERS | P O BOX 2412 DAYTONA BEACH, FL 32115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.02% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 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 KY INC | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $243 | — | $243 | 10.12% |
| MOORE INS AGENCY LLC3 | P O BOX 176 RUSSELLVILLE, KY 42276 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY, INC. | 13101 MAGISTERIAL DR. SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 11.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INIC | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 13.72% |
| MOORE INS AGENCY LLC3 | P O BOX 175 RUSSELLVILLE, KY 42276 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 2.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | $59 | $118 | 30.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 25.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 39-1263473 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1100 EMPLOYERS BLVD GREEN BAY, WI 54344 | $1.0M |
| HUMANA INSURANACE COMPANY EIN 52-1157181 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1100 EMPLOYERS BLVD GREEN BAY, WI 54344 | $64K |
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 | 691 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 650 | $70K |
| Dental | DELTA DENTAL OF KENTUCKY | 1,375 | $275K |
| Vision | HUMANA INSURANCE COMPANY | 691 | $1.0M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 767 | $193K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $82K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 304 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,375 | — |
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.