| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: SCOTT BROWN | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 5.48% |
| AMBER NICOLE RICHARDSON3 | 1241 LYNDON LN RADCLIFF, KY 40160 | AFLAC | $2K | $207 | $2K | 5.08% |
| ERIN SMITH3 | 112 EARLY TIMES BLVD BARDSTOWN, KY 40004 | AFLAC | $825 | $295 | $1K | 3.13% |
| SETH O AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | AFLAC | $569 | $124 | $693 | 1.94% |
| KIRK HASTINGS3 | 8707 CHETWOOD TRACE DR LOUISVILLE, KY 40291 | AFLAC | $275 | $89 | $364 | 1.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: PHIL BROWN INS AGCY INC | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | AFLAC | $211 | — | $211 | 0.59% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $165 | — | $165 | 0.46% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIR PROSPECT, KY 40059 | AFLAC | $142 | — | $142 | 0.40% |
| RONNIE LEE JANES JR3 | 7013 WESTRIDGE FOREST CT LANESVILLE, IN 47136 | AFLAC | $99 | $21 | $120 | 0.34% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $108 | — | $108 | 0.30% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $48 | — | $48 | 0.13% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $46 | — | $46 | 0.13% |
| SAMUEL BRYANT3 | 5314 TWINKLE DR LOUISVILLE, KY 40258 | AFLAC | $18 | $14 | $32 | 0.09% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $22 | — | $22 | 0.06% |
| LARRY A SHIPMAN3 | 14003 OLDWOOD PL LOUISVILLE, KY 40245 | AFLAC | $15 | — | $15 | 0.04% |
| BRYAN ALARCON3 | 205 MACINTOSH DR SHELBYVILLE, KY 40065 | AFLAC | $13 | — | $13 | 0.04% |
| JOHN B MORRISON3 | 1622 TREVILIAN WAY LOUISVILLE, KY 40205 | AFLAC | $8 | — | $8 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 38 BROOKS LN WHITLEY CITY, KY 42653 | AFLAC | $8 | — | $8 | 0.02% |
| CHUCK ANDREW WILSON3 | 6710 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $3 | — | $3 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $3 | — | $3 | 0.01% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE STE 4 NEW LENOX, IL 60451 | AFLAC | $2 | — | $2 | 0.01% |
| STEPHANIE RINGER3 | 411 WALNUT ST #9859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $2 | — | $2 | 0.01% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $2 | — | $2 | 0.01% |
| MARK L STANLEY3 | 93 FAIRVIEW AVE N PLAINFIELD, NJ 07060 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: SCOTT BROWN | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $716 | — | $716 | 15.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: PHIL BROWN INSURANCE | 9300 SHELBYVILLE RD, SUITE 1004 LOUISVILLE, KY 40222 | MASA INSURANCE SERVICES INC | $124 | — | $124 | 17.03% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 200 | $47K |
| Vision | DELTA DENTAL OF KENTUCKY | 154 | $14K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 196 | $41K |
| Other(2 contracts, 2 carriers) | AFLAC | 30 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.