| 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 SUITE 1004 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $44K | $5K | $49K | 10.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SCOTT BROWN | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 5.76% |
| AMBER NICOLE RICHARDSON3 Filed as: AMBER NICOLE SMITH | 5836 BROOKS HILL RD BROOKS, KY 40109 | AFLAC | $502 | — | $502 | 2.84% |
| SETH O AKERS3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $219 | — | $219 | 1.24% |
| REBECCA ANN DOEPKE3 | 6312 MISTFLOWER CIR PROSPECT, KY 40059 | AFLAC | $179 | — | $179 | 1.01% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $138 | — | $138 | 0.78% |
| DAMARIS ANNE SCOTT3 | 5211 LIGHTHOUSE CV BLDG 13E JEFFERSONVILLE, IN 47130 | AFLAC | $132 | — | $132 | 0.75% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $64 | — | $64 | 0.36% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $61 | — | $61 | 0.35% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $33 | — | $33 | 0.19% |
| BRYAN ALARCON3 | 205 MACINTOSH DR SHELBYVILLE, KY 40065 | AFLAC | $21 | — | $21 | 0.12% |
| LARRY A SHIPMAN3 | 14003 OLDWOOD PL LOUISVILLE, KY 40245 | AFLAC | $17 | — | $17 | 0.10% |
| TIFFANY ANN AKERS3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $13 | — | $13 | 0.07% |
| JOHN B MORRISON3 | 1622 TREVILIAN WAY LOUISVILLE, KY 40205 | AFLAC | $12 | — | $12 | 0.07% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $10 | — | $10 | 0.06% |
| MARK L STANLEY3 | 93 FAIRVIEW AVE N PLAINFIELD, NJ 07060 | AFLAC | $8 | — | $8 | 0.05% |
| SEAN TIMOTHY WHIPKEY SR3 | 1323 HAMILTON CREEK DR NW KENNESAW, GA 30152 | AFLAC | $5 | — | $5 | 0.03% |
| CHUCK ANDREW WILSON3 | 6710 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $5 | — | $5 | 0.03% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE STE 4 NEW LENOX, IL 60451 | AFLAC | $4 | — | $4 | 0.02% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $2 | — | $2 | 0.01% |
| STEPHANIE RINGER3 | 411 WALNUT ST #9859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $2 | — | $2 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SCOTT BROWN | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 11.00% |
| 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 | $614 | — | $614 | 14.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE | 9300 SHELBYVILLE RD, SUITE 1004 LOUISVILLE, KY 40222 | MASA | $134 | — | $134 | 19.94% |
| MASA AGENTS3 | 1250 S PINE ISLAND RD, #500 PLANTATION, FL 33324 | MASA | $18 | — | $18 | 2.68% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND | 1120 MAIN ST BENTON, KY 42025 | MASA | $5 | — | $5 | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-SOUTH | 1120 MAIN ST BENTON, KY 42025 | MASA | $3 | — | $3 | 0.45% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 140 | $447K |
| Dental | DELTA DENTAL OF KENTUCKY | 196 | $44K |
| Vision | DELTA DENTAL OF KENTUCKY | 138 | $12K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 151 | $22K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 140 | $447K |
| Other(3 contracts, 3 carriers) | AFLAC | 151 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.