| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | DELTA DENTAL OF KY | $25K | $20K | $45K | 18.57% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 20.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 20.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 20.00% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.62% |
| WELLNESS OF AMERICA LLC3 | P O BOX 427 ASPEN, CO 81612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $884 | — | $884 | 1.31% |
| 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 | $553 | — | $553 | 0.82% |
| 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 INSURANCE COMPANY | $125 | — | $125 | 0.19% |
| WELLNESS OF AMERICA LLC3 | P O BOX 427 ASPEN, CO 81612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.41% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.92% |
| 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 | $1K | — | $1K | 2.27% |
| 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 | $243 | — | $243 | 0.44% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 400590706 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.12% |
| 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 DRIVE STE 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 INC | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 7.68% |
| MOORE INS AGENCY LLC3 | P O BOX 176 RUSSELLVILLE, KY 42276 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.37% |
| 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 | $77 | — | $77 | 14.75% |
| MOORE INS AGENCY LLC3 | P O BOX 1176 RUSSELLVILLE, KY 42276 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.38% |
| 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 | 15.05% |
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 | 545 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KY | 1,198 | $242K |
| Vision | HUMANA INSURANCE COMPANY | 545 | $55K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 605 | $268K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $101K |
| Other(8 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 605 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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."
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.