| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | — | CIGNA | $36K | — | $36K | 10.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 8.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVC INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | SUITE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | $10K | $26K | 24.53% |
| DELTA DENTAL OF KENTUCKY, INC.3 | SUITE 700 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.30% |
| FOWLER SECURITIES & BENEFITS3 Filed as: FOWLER WILLIAM | 200 DISTILLERY COMMONS LOUISVILLE, KY 40206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $207 | — | $207 | 1.04% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 200 | $113K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 200 | $113K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 269 | $107K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 269 | $107K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 269 | $107K |
| Stop-loss / reinsurancereinsurance | CIGNA | 191 | $353K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 269 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.