| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC - | SCOTT BROWN 9300 SHELBYVILLE RD SUITE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 8.41% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES, INC. - KRISTA SIGMAN 800 MAIN ST PO BOX 28 DUBUQUE, IA 52004 | DELTA DENTAL OF KENTUCKY | $804 | — | $804 | 1.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | — | STANDARD INSURANCE COMPANY | $6K | — | $6K | 14.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4 | $2K | 5.70% |
| JEFFREY D HARNED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $104 | $2K | 5.62% |
| BILODEAU INC3 Filed as: BILODEAU | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $323 | $1K | 4.11% |
| MEGAN GOODMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $823 | — | $823 | 2.33% |
| WILLIAM JACK MITCHELL JR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $643 | $18 | $661 | 1.87% |
| SUZANNE BRATTON TUCKER3 Filed as: SUZANNE BRATTON TUCKCER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | — | $500 | 1.42% |
| LIG BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.28% |
| AMY E COHEN3 Filed as: AMY L FARNSLEY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.24% |
| TRUENORTH COMPANIES LC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MICHAEL EMIDY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | — | ANTHEM HEALTH PLANS OF KY, INC. | $1K | — | $1K | 10.08% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: PHIL BROWN AGENCY | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $766 | — | $766 | 16.99% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 186 | $51K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 177 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 134 | $40K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 189 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.