| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | DELTA DENTAL OF KY | $17K | — | $17K | 9.13% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25K | $25K | 20.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 20.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $909 | — | $909 | 1.77% |
| WELLNESS OF AMERICA LLC3 | 122 WOODY CREEK WOODY CREEK, CO 81656 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $691 | — | $691 | 1.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $433 | — | $433 | 0.84% |
| 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 | $82 | — | $82 | 0.16% |
| WELLNESS OF AMERICA LLC3 | 122 WOODY CREEK WOODY CREEK, CO 81656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.39% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $955 | — | $955 | 2.26% |
| 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 | $197 | — | $197 | 0.47% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | HUMANA | $2K | — | $2K | 6.38% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $902 | — | $902 | 19.99% |
| 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 INS COMPANY | $196 | — | $196 | 10.77% |
| 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 INS COMPANY | $137 | — | $137 | 7.71% |
| 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 INS COMPANY | $51 | — | $51 | 17.00% |
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 | 849 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KY | 849 | $181K |
| Vision | HUMANA | 363 | $39K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $177K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $64K |
| Other(7 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 403 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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.