| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $9K | $770 | $9K | 6.09% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $3K | — | $3K | 2.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $2K | $94 | $2K | 1.51% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $2K | $214 | $2K | 1.39% |
| GLEN ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $2K | $205 | $2K | 1.27% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 40059 | AFLAC | $2K | $214 | $2K | 1.21% |
| REBECCA ANN DOEPKE3 | 10733 WORTHINGTON LN PROSPECT, KY 40059 | AFLAC | $980 | — | $980 | 0.63% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $275 | — | $275 | 0.18% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $222 | — | $222 | 0.14% |
| DAVID M WATSON3 | 10300 LINN STATION RD STE 250 LOUISVILLE, KY 40223 | AFLAC | $213 | — | $213 | 0.14% |
| BROCK POWELL3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $181 | — | $181 | 0.12% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $79 | — | $79 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $72 | — | $72 | 0.05% |
| ERIC C WOLFE3 | 3901 RAPID RUN DR APT 1013 LEXINGTON, KY 40515 | AFLAC | $69 | — | $69 | 0.04% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $66 | — | $66 | 0.04% |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIR LOUISVILLE, KY 40241 | AFLAC | $63 | — | $63 | 0.04% |
| DEBRA R OBERLIES3 | 2040 S PINE HILL RD LEXINGTON, KY 47138 | AFLAC | $60 | — | $60 | 0.04% |
| MARION G CARRITHERS3 Filed as: MARION G CARITHERS | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $54 | — | $54 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $38 | — | $38 | 0.02% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN RD LEXINGTON, KY 40511 | AFLAC | $34 | — | $34 | 0.02% |
| KERRY KIMBROUGH3 | PO BOX 23582 LEXINGTON, KY 40523 | AFLAC | $34 | — | $34 | 0.02% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $31 | — | $31 | 0.02% |
| DENNIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $29 | — | $29 | 0.02% |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $27 | — | $27 | 0.02% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $27 | — | $27 | 0.02% |
| CREECH AND STAFFORD INS AGCY INC3 Filed as: CREECH & STAFFORD INSURANCE AGENCY | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | AFLAC | $24 | — | $24 | 0.02% |
| JAMES A RIED3 Filed as: JAMES A REID | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $24 | — | $24 | 0.02% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $22 | — | $22 | 0.01% |
| BRADLEY L ELLIS3 | 1500 BEVUKKE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $22 | — | $22 | 0.01% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $17 | — | $17 | 0.01% |
| LLOYD W HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $8 | — | $8 | 0.01% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $7 | — | $7 | 0.00% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OH 73034 | AFLAC | $5 | — | $5 | 0.00% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $5 | — | $5 | 0.00% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60602 | AFLAC | $3 | — | $3 | 0.00% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $2 | — | $2 | 0.00% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $2 | — | $2 | 0.00% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES M BROCK3 | 1501 SANDBAR DR MARION, IL 62359 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID A EMERSON3 | 1017 ASHES DR STE 106 AURORA, IN 47001 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M FLETCHER3 | 254 JOHN ST AURORA, IA 47001 | AFLAC | $1 | — | $1 | 0.00% |
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $9K | $460 | $9K | 7.44% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $2K | — | $2K | 2.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $2K | $35 | $2K | 1.46% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $2K | $99 | $2K | 1.38% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $1K | $99 | $2K | 1.24% |
| REBECCA ANN DOEPKE3 | 10733 WORTHINGTON LN PROSPECT, KY 40059 | AFLAC | $685 | — | $685 | 0.56% |
| GLEN ESTES3 | PO BOX 514 SIMPSONVILLE, KS 40067 | AFLAC | $617 | — | $617 | 0.50% |
| DAVID M WATSON3 | 10300 LINN STATION RD STE 250 LOUISVILLE, KY 40223 | AFLAC | $248 | — | $248 | 0.20% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $224 | — | $224 | 0.18% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD STE 605 LOUSVILLE, KY 40222 | AFLAC | $170 | — | $170 | 0.14% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $159 | — | $159 | 0.13% |
| BROCK POWELL3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $157 | — | $157 | 0.13% |
| MARION G CARRITHERS3 | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $58 | — | $58 | 0.05% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $51 | — | $51 | 0.04% |
| ERIC C WOLFE3 | 3901 RAPID RUN DR APT 1013 LEXINGTON, KY 40515 | AFLAC | $50 | — | $50 | 0.04% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $39 | — | $39 | 0.03% |
| DENNIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $33 | — | $33 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $33 | — | $33 | 0.03% |
| TAJNA R MCGINNIS3 | 1850 FARNSLEY RD LOUISVILLE, KY 40216 | AFLAC | $20 | — | $20 | 0.02% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $19 | — | $19 | 0.02% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN RD LEXINGTON, KY 40511 | AFLAC | $16 | — | $16 | 0.01% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $14 | — | $14 | 0.01% |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIR LOUISVILLE, KY 40241 | AFLAC | $11 | — | $11 | 0.01% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $11 | — | $11 | 0.01% |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $10 | — | $10 | 0.01% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $8 | — | $8 | 0.01% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $5 | — | $5 | 0.00% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $3 | — | $3 | 0.00% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.00% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $724 | $3K | 13.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $137K |
| PHIL BROWN INSURANCE AGENCY INC BROKER | Other commissions Service code 55 | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | $53K |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $21K |
| Short-term disability(2 contracts) | AFLAC | 202 | $277K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 174 | $395K |
| Other(6 contracts, 4 carriers) | AFLAC | 321 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.