| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 400590706 | HUMANA INSURANCE COMPANY | $175K | — | $175K | 17.06% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | DELTA DENTAL OF KENTUCKY | $24K | $25K | $49K | 18.88% |
| 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 | $29K | — | $29K | 20.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 20.00% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | PROVIDENT LIFE AND ACCIDENT INS CO | $4K | — | $4K | 5.62% |
| WELLNESS OF AMERICA LLC3 | P O BOX 427 ASPEN, CO 81612 | PROVIDENT LIFE AND ACCIDENT INS CO | $882 | — | $882 | 1.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BRONW INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | PROVIDENT LIFE AND ACCIDENT INS CO | $553 | — | $553 | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | P O BOX 23410 LOUISVILLE, KY 40232 | PROVIDENT LIFE AND ACCIDENT INS CO | $122 | — | $122 | 0.19% |
| ASH GROUP LLC3 Filed as: ASH GROUP, LLC | P O BOX 706 PROSPECT, KY 400590706 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.77% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | UNUM LIFE INS COMPANY OF AMERICA | $2K | — | $2K | 3.94% |
| WELLNESS OF AMERICA LLC3 | P O BOX 427 ASPEN, CO 81612 | UNUM LIFE INS COMPANY OF AMERICA | $2K | — | $2K | 3.50% |
| 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 INS COMPANY OF AMERICA | $1K | — | $1K | 2.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | P O BOX 23410 LOUISVILLE, KY 40232 | UNUM LIFE INS COMPANY OF AMERICA | $245 | — | $245 | 0.46% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | $130 | — | $130 | 6.78% |
| 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 | $84 | — | $84 | 4.73% |
| MOORE INS AGENCY LLC3 | P O BOX 176 RUSSELLVILLE, KY 42276 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.84% |
| 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 | $70 | — | $70 | 8.42% |
| MOORE INS AGENCY LLC3 | P O BOX 176 RUSSELLVILLE, KY 42276 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 1.56% |
| 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 | $36 | — | $36 | 9.18% |
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 | 660 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 635 | $1.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,344 | $258K |
| Vision | HUMANA INSURANCE COMPANY | 660 | $62K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $184K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $87K |
| Other(7 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 308 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,344 | — |
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.