| 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 | 4.68% |
| AMBER NICOLE RICHARDSON3 Filed as: AMBER NICOLE SMITH | 9927 DANIEL DR APT 7 FAIRDALE, KY 40118 | AFLAC | $1K | $12 | $1K | 4.94% |
| BRYAN ALARCON3 | 205 MACINTOSH DR SHELBYVILLE, KY 40065 | AFLAC | $465 | — | $465 | 1.91% |
| SETH O AKERS3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $352 | $5 | $357 | 1.46% |
| REBECCA ANN DOEPKE3 | 328 E MAIN ST LOUISVILLE, KY 40202 | AFLAC | $260 | — | $260 | 1.07% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $227 | $5 | $232 | 0.95% |
| DAVID M WATSON3 | 10300 LINN STATION RD STE 250 LOUSVILLE, KY 40223 | AFLAC | $208 | — | $208 | 0.85% |
| BROCK POWELL3 | 3944 MURPY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $86 | — | $86 | 0.35% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $46 | — | $46 | 0.19% |
| JOHN B MORRISON3 | 1622 TREVILIAN WAY LOUISVILLE, KY 40205 | AFLAC | $38 | — | $38 | 0.16% |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIR LOUISVILLE, KY 40241 | AFLAC | $35 | — | $35 | 0.14% |
| NATHANIEL Y HAGGARD3 | 1602 HELMRIDGE CT LOUISVILLE, KY 40222 | AFLAC | $25 | — | $25 | 0.10% |
| TIFFANY ANN AKERS3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $14 | — | $14 | 0.06% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $13 | — | $13 | 0.05% |
| SEAN TIMOTHY WHIPKEY SR3 | 1323 HAMILTON CREEK DR NW KENNESAW, GA 30152 | AFLAC | $11 | — | $11 | 0.05% |
| MARK L STANLEY3 | 93 FAIRVIEW AVE N PLAINFIELD, NJ 07060 | AFLAC | $9 | — | $9 | 0.04% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $6 | — | $6 | 0.02% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE STE 4 NEW LENOX, IL 60451 | AFLAC | $6 | — | $6 | 0.02% |
| CHUCK ANDREW WILSON3 | 6710 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $5 | — | $5 | 0.02% |
| DENNIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $5 | — | $5 | 0.02% |
| BRADLEY L ELLIS3 | 11226 JORDAN CT PARKER, CO 80134 | AFLAC | $4 | — | $4 | 0.02% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 8.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | DEARBORN LIFE INSURANCE COMPANY | $847 | $399 | $1K | 21.64% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS BENEFITS | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | MASA | $31 | — | $31 | 775.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 CLAIMS PROCESSING | Contract Administrator; Claims processing; Other fees; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $96K |
| INGENIORX, INC. EIN 82-3062245 CLAIMS PROCESSING | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $6K |
| PHIL BROWN INSURANCE AGCY INC INSURANCE AGENT/BROKERS | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers 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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | 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 | 239 | $56K |
| Vision | DELTA DENTAL OF KENTUCKY | 150 | $14K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 196 | $30K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 290 | $402K |
| Other(3 contracts, 3 carriers) | AFLAC | 196 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.