| 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 | 4.86% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $296 | — | $296 | 1.77% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $212 | — | $212 | 1.26% |
| AMBER NICOLE RICHARDSON3 Filed as: AMBER NICOLE SMITH | 127 OLDE ENGLISH CT LOUISVILLE, KY 40272 | AFLAC | $72 | — | $72 | 0.43% |
| POWELL ENTERPRISES LLC3 | 107 SOUTHERN BLVD STE 103A SAVANNAH, GA 31405 | AFLAC | $69 | — | $69 | 0.41% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $57 | — | $57 | 0.34% |
| NATHANIEL Y HAGGARD3 | 1602 HELMRIDGE CT LOUISVILLE, KY 40222 | AFLAC | $52 | — | $52 | 0.31% |
| JOHN B MORRISON3 | 1622 TREVILIAN WAY LOUISVILLE, KY 40205 | AFLAC | $43 | — | $43 | 0.26% |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIR LOUISVILLE, KY 40241 | AFLAC | $39 | — | $39 | 0.23% |
| REBECCA A DEFERRARO3 Filed as: REBECCA A DOEPKE | 418 WALLACE AVE LOUISVILLE, KY 40207 | AFLAC | $23 | — | $23 | 0.14% |
| TIFFANY ANN AKERS3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $22 | — | $22 | 0.13% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $17 | — | $17 | 0.10% |
| BROCK POWELL3 | 107 SOUTHERN BLVD STE 103A SAVANNAH, GA 31210 | AFLAC | $15 | — | $15 | 0.09% |
| STACY S SCHMIDT3 | 3238 DEVAULT RD LOUISVILLE, TN 37777 | AFLAC | $12 | — | $12 | 0.07% |
| PHYLLIS PAYTON3 | 80 FRANKFORT RD APT 111 SHELBYVILLE, KY 40065 | AFLAC | $11 | — | $11 | 0.07% |
| SEAN TIMOTHY WHIPKEY SR3 | 1323 HAMILTON CREEK DR NW KENNESAW, GA 30152 | AFLAC | $11 | — | $11 | 0.07% |
| BROCK POWELL3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $11 | — | $11 | 0.07% |
| BRIAN ROMMES3 | 6215 AURORA AVE CHARLESTOWN, IN 47111 | AFLAC | $9 | — | $9 | 0.05% |
| MARK L STANLEY3 | 93 FAIRVIEW AVE N PLAINFIELD, NJ 07060 | AFLAC | $9 | — | $9 | 0.05% |
| CARTER L NELSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $8 | — | $8 | 0.05% |
| POWELL ENTERPRISES LLC3 | 125 PLANTATION CENTRE DR S STE 900 MACON, KY 31210 | AFLAC | $7 | — | $7 | 0.04% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $7 | — | $7 | 0.04% |
| CHUCK ANDREW WILSON3 | 6710 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $7 | — | $7 | 0.04% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $7 | — | $7 | 0.04% |
| DENNIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $7 | — | $7 | 0.04% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $6 | — | $6 | 0.04% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $4 | — | $4 | 0.02% |
| CHARLES F GREER3 | 2888 ALOMA LAKE RUN SUITE 2300 OVIEDO, FL 32765 | AFLAC | $2 | — | $2 | 0.01% |
| PATRICK WEISHAAR3 | 1701 WICKHAM WAY LOUISVILLE, KY 40223 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID HUGHES3 Filed as: DAVID BRENT HUGHES | 226 DECKARD SCHOOL RD RINEYVILLE, KY 40162 | AFLAC | $2 | — | $2 | 0.01% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID HUGHES3 Filed as: DAVID BRENT HUGHES | 2806 SATSUMA DR SARASOTA, FL 34239 | AFLAC | $0 | — | $0 | 0.00% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $0 | — | $0 | 0.00% |
| 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 | $761 | — | $761 | 14.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 CLAIMS PROCESSING | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Other fees Service code 12 | — | $96K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 CLAIMS PROCESSING | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $0 |
| PHIL BROWN INSURANCE AGCY INC INSURANCE AGENT/BROKERS | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 10300 LINN STATION RD STE 250 LOUISVILLE, KY 40223 | $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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 234 | $55K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 200 | $22K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 325 | $333K |
| Other | AFLAC | 31 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
No prospect flags tripped on this filing.