| 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 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 4.16% |
| 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 | $220 | $3K | 11.05% |
| 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 | $168 | $2K | 11.18% |
| STEVE A CALVERT3 | 103 MAIN ST SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 4.12% |
| JEANETTE SUE WESTERWELLE3 | 119 KIT COWAN RD APT 3 SOMERSET, KY 42501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $3 | $193 | 2.23% |
| MARGARET C TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $2 | $142 | 1.64% |
| MIKE TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $2 | $48 | 0.55% |
| JAMES DAVID HALL3 | 506 W HIGH ST MT. STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $736 | — | $736 | 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 | 332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 116 | $32K |
| Vision | STANDARD INSURANCE COMPANY | 88 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 332 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 214 | $31K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.