| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE RD LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 5.15% |
| SETH O AKERS3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $234 | — | $234 | 1.33% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $206 | — | $206 | 1.17% |
| LOWERY L STALLINGS3 | 8703 ETON RD LOUISVILLE, KY 40241 | AFLAC | $91 | — | $91 | 0.52% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $57 | — | $57 | 0.32% |
| POWELL ENTERPRISES LLC3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $56 | — | $56 | 0.32% |
| NATHANIEL Y HAGGARD3 | 1602 HELMRIDGE CT LOUISVILLE, KY 40222 | AFLAC | $52 | — | $52 | 0.30% |
| PHYLLIS PAYTON3 | 80 FRANKFORT RD APT 111 SHELBYVILLE, KY 40065 | AFLAC | $51 | — | $51 | 0.29% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $50 | — | $50 | 0.28% |
| JOHN B MORRISON3 | 1622 TREVILIAN WAY LOUISVILLE, KY 40205 | AFLAC | $47 | — | $47 | 0.27% |
| STACY S SCHMIDT3 | 3238 DEVAULT RD LOUISVILLE, TN 37777 | AFLAC | $45 | — | $45 | 0.26% |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIR LOUISVILLE, KY 40241 | AFLAC | $43 | — | $43 | 0.24% |
| PHYLLIS PAYTON3 | 1196 GEOGHEGAN RD SHELBYVILLE, KY 40065 | AFLAC | $41 | — | $41 | 0.23% |
| CARTER L NELSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $23 | — | $23 | 0.13% |
| POWELL ENTERPRISES LLC3 | 400 DABNEY DR APT 1 LEXINGTON, KY 40509 | AFLAC | $21 | — | $21 | 0.12% |
| BROCK POWELL3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $16 | — | $16 | 0.09% |
| TIFFANY ANN AKERS3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $13 | — | $13 | 0.07% |
| REBECCA A DEFERRARO3 | 418 WALLACE AVE LOUISVILLE, KY 40207 | AFLAC | $12 | — | $12 | 0.07% |
| SEAN TIMOTHY WHIPKEY SR3 | 1323 HAMILTON CREEK DR NW KENNESAW, GA 30152 | AFLAC | $10 | — | $10 | 0.06% |
| REBECCA ANN DOEPKE3 | 418 WALLACE AVE LOUISVILLE, KY 40207 | AFLAC | $10 | — | $10 | 0.06% |
| BROCK POWELL3 | 400 DABNEY DR APT 1 LEXINGTON, KY 40509 | AFLAC | $9 | — | $9 | 0.05% |
| MARK L STANLEY3 | 93 FAIRVIEW AVE N PLAINFIELD, NJ 07060 | AFLAC | $8 | — | $8 | 0.05% |
| CHARLES F GREER3 | 2888 ALOMA LAKE RUN SUITE 2300 OVIEDO, FL 32765 | AFLAC | $7 | — | $7 | 0.04% |
| CHUCK ANDREW WILSON3 | 6710 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $7 | — | $7 | 0.04% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $5 | — | $5 | 0.03% |
| CARTER L NELSON3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $5 | — | $5 | 0.03% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $4 | — | $4 | 0.02% |
| PATRICK WEISHAAR3 | 1701 WICKHAM WAY LOUISVILLE, KY 40223 | AFLAC | $3 | — | $3 | 0.02% |
| DAVID HUGHES3 Filed as: DAVID BRENT HUGHES | 226 DECKARD SCHOOL RD RINEYVILLE, KY 40162 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $2 | — | $2 | 0.01% |
| DENNIS HARTIN3 | 500 KNIGHTS RUN AVE UNIT 1801 TAMPA, FL 33602 | AFLAC | $2 | — | $2 | 0.01% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY L ELLIS3 | 7713 INDEPENDENCE PL CRESTWOOD, KY 40014 | AFLAC | $2 | — | $2 | 0.01% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | ANTHEM LIFE INSURANCE COMPANY | $770 | — | $770 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 CLAIMS PROCESSING | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Other services Service code 12 | — | $113K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 CLAIMS PROCESSING | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $0 |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 252 | $56K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 199 | $23K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 342 | $317K |
| Other | AFLAC | 30 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.