| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 13.44% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $788 | $2K | 2.89% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $672 | $278 | $950 | 1.27% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $685 | $249 | $934 | 1.24% |
| REBECCA LYNN ABBOTT3 | 2907 HICKORY LANE LA GRANGE, KY 40031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $756 | — | $756 | 1.01% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $543 | $37 | $580 | 0.77% |
| JANNA CURTSINGER3 | 395 WILLOWBROOK DR FISHERVILLE, KY 40023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $389 | — | $389 | 0.52% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PARKWAY SELLARSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $12 | $214 | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 10.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD STE 104 LOUISVILLE, KY 40223 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | — | $1K | 10.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN AGENCY | 9300 SHELBYVILLE RD, SUITE 1004 LOUISVILLE, KY 40222 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $837 | — | $837 | 20.00% |
| MASA AGENT3 | 1250 S. PINE ISLAND ROAD, SUITE 500 PLANTATION, FL 33324 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $331 | — | $331 | 7.91% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND | 308 NORTH MAIN ST FRANKLIN, KY 42134 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $62 | — | $62 | 1.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-SOUTH | 308 NORTH MAIN ST FRANKLIN, KY 42134 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $9 | — | $9 | 0.22% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 224 | $129K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 211 | $13K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 185 | $44K |
| Stop-loss / reinsurancereinsurance | WESTERN SKIES MGU, LLC | 106 | $317K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 185 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.