| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $886 | — | $886 | 3.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.88% |
| STEVE A CALVERT3 | 103 MAIN ST SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $541 | $2 | $543 | 5.05% |
| JEANETTE SUE WESTERWELLE3 | 119 KIT COWAN RD APT 3 SOMERSET, KY 42501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $3 | $228 | 2.12% |
| MARGARET C TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $5 | $194 | 1.80% |
| MIKE TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $3 | $68 | 0.63% |
| JAMES DAVID HALL3 | 506 W HIGH ST MT. STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $660 | — | $660 | 10.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 103 | $25K |
| Vision | STANDARD INSURANCE COMPANY | 89 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 166 | $19K |
| Short-term disability | STANDARD INSURANCE COMPANY | 106 | $25K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.