| 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 ROAD SUITE 1004 LOUISVILLE, KY 40222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $184 | $2K | 9.79% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $81 | $2K | 6.92% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | $34 | $492 | 2.11% |
| JAMES DAVID HALL3 | 506 W HIGH STREET MT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $2 | $244 | 1.04% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $47 | $221 | 0.95% |
| EMILY SLUSHER3 | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $2 | $50 | 0.21% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| JOSEPH M TAMER3 | 6500 PAPERMILL DRIVE KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROBERT BAYS3 Filed as: ROBERT J DAVIN | 116 HIGHLAND COURT GEORGETOWN, KY 40324 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $988 | $988 | 11.13% |
| GEORGE W ARNOLD3 | PO BOX 857 800 DIEDERICH BOULEVARD FLATWOODS, KY 41139 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $832 | — | $832 | 9.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $157 | — | $157 | 1.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | ANTHEM LIFE INSURANCE COMPANY | $872 | — | $872 | 14.01% |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 98 | $38K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $25K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 98 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.