| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $6K | $376 | $7K | 5.24% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $2K | — | $2K | 1.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $2K | $92 | $2K | 1.33% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 40059 | AFLAC | $1K | $98 | $1K | 0.88% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $1K | $66 | $1K | 0.84% |
| REBECCA ANN DOEPKE3 | 9506 CIVIC WAY APT 305 PROSPECT, KY 40059 | AFLAC | $752 | — | $752 | 0.59% |
| DAVID M WATSON3 | 10300 LINN STATION RD STE 250 LOUISVILLE, KY 40223 | AFLAC | $489 | $33 | $522 | 0.41% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT STE 605 PROSPECT, KY 40059 | AFLAC | $203 | — | $203 | 0.16% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $156 | — | $156 | 0.12% |
| BROCK POWELL3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $142 | — | $142 | 0.11% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $57 | — | $57 | 0.04% |
| ERIC C WOLFE3 | 3901 RAPID RUN DR APT 1013 LEXINGTON, KY 40515 | AFLAC | $57 | — | $57 | 0.04% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $54 | — | $54 | 0.04% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN RD LEXINGTON, KY 40511 | AFLAC | $47 | — | $47 | 0.04% |
| KERRY KIMBROUGH3 | PO BOX 23582 LEXINGTON, KY 40523 | AFLAC | $47 | — | $47 | 0.04% |
| MARION G CARRITHERS3 Filed as: MARION G CARITHERS | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $44 | — | $44 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $43 | — | $43 | 0.03% |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIR LOUISVILLE, KY 40241 | AFLAC | $39 | — | $39 | 0.03% |
| DEBRA R OBERLIES3 | 2040 S PINE HILL RD LEXINGTON, KY 47138 | AFLAC | $37 | — | $37 | 0.03% |
| CREECH AND STAFFORD INS AGCY INC3 Filed as: CREECH & STAFFORD INSURANCE AGENCY | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | AFLAC | $33 | — | $33 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $31 | — | $31 | 0.02% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $30 | — | $30 | 0.02% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $27 | — | $27 | 0.02% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $22 | — | $22 | 0.02% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $22 | — | $22 | 0.02% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $18 | — | $18 | 0.01% |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $12 | — | $12 | 0.01% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $9 | — | $9 | 0.01% |
| LLOYD W HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $6 | — | $6 | 0.00% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $6 | — | $6 | 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% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OH 73034 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60602 | AFLAC | $2 | — | $2 | 0.00% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $2 | — | $2 | 0.00% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID A EMERSON3 | 1017 ASHES DR STE 106 AURORA, IN 47001 | AFLAC | $1 | — | $1 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $1 | — | $1 | 0.00% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M BROCK3 | 3116 WILLIAMSON COUNTY PKWY MARION, IL 62959 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID A EMERSON3 | 4038 BATIK CT LELAND, NC 28451 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID A EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $1 | — | $1 | 0.00% |
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $6K | $454 | $7K | 6.52% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $2K | — | $2K | 1.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $2K | $73 | $2K | 1.72% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $981 | $111 | $1K | 1.04% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $741 | $69 | $810 | 0.77% |
| DAVID M WATSON3 | 10300 LINN STATION RD STE 250 LOUISVILLE, KY 40223 | AFLAC | $664 | $41 | $705 | 0.67% |
| REBECCA ANN DOEPKE3 | 9506 CIVIC WAY APT 305 PROSPECT, KY 40059 | AFLAC | $533 | — | $533 | 0.51% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $192 | — | $192 | 0.18% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $125 | — | $125 | 0.12% |
| BROCK POWELL3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $109 | — | $109 | 0.10% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $98 | — | $98 | 0.09% |
| ERIC C WOLFE3 | 3901 RAPID RUN DR APT 1013 LEXINGTON, KY 40515 | AFLAC | $43 | — | $43 | 0.04% |
| MARION G CARRITHERS3 | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $40 | — | $40 | 0.04% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $38 | — | $38 | 0.04% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $25 | — | $25 | 0.02% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $24 | — | $24 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $23 | — | $23 | 0.02% |
| TAJNA R MCGINNIS3 | 1850 FARNSLEY RD LOUISVILLE, KY 40216 | AFLAC | $17 | — | $17 | 0.02% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN RD LEXINGTON, KY 40511 | AFLAC | $14 | — | $14 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $11 | — | $11 | 0.01% |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIR LOUISVILLE, KY 40241 | AFLAC | $10 | — | $10 | 0.01% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $9 | — | $9 | 0.01% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $8 | — | $8 | 0.01% |
| THE DIAMOND AGENCY LLC3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $3 | — | $3 | 0.00% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $3 | — | $3 | 0.00% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $2 | — | $2 | 0.00% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | 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 | 18.88% |
| 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 | $825 | $3K | 13.74% |
| 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 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $158K |
| PHIL BROWN INSURANCE AGENCY INC BROKER | Other commissions Service code 55 | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | $51K |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $22K |
| Short-term disability(2 contracts) | AFLAC | 196 | $232K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 170 | $394K |
| Other(6 contracts, 4 carriers) | AFLAC | 321 | $313K |
| 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."
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.