| 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 STE 1004 LOUISVILLE, KY 40222 | DEARBORN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 17.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | THE DENTAL CONCERN, INC. | $2K | $18 | $2K | 10.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | MASA MEDICAL TRANSPORT SOLUTIONS | $707 | — | $707 | 16.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $117K |
| PHIL BROWN INSURANCE AGENCY INC EIN 61-1239281 BROKER | Other commissions Service code 55 | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | $20K |
| BETTER SOURCE BENEFITS COMPANY INC EIN 61-1349541 BROKER | Other commissions Service code 55 | 340 CLIFTY STREET STE 4 SOMERSET, KY 42501 | $4K |
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 | 250 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE DENTAL CONCERN, INC. | 117 | $17K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 250 | $73K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 250 | $73K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 250 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.