| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $4K | $11 | $4K | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | AFLAC | $1K | — | $1K | 1.75% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $1K | — | $1K | 1.69% |
| REBECCA ANN DOEPKE3 | 6312 MISTFLOWER CIR PROSPECT, KY 40059 | AFLAC | $838 | $4 | $842 | 1.05% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $520 | — | $520 | 0.65% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | AFLAC | $403 | — | $403 | 0.50% |
| RONNIE LEE JANES JR3 | 7013 WESTRIDGE FOREST CT LANESVILLE, IN 47136 | AFLAC | $235 | — | $235 | 0.29% |
| AMBER NICOLE RICHARDSON3 Filed as: AMBER NICOLE SMITH | 5836 BROOKS HILL RD BROOKS, KY 40109 | AFLAC | $101 | $16 | $117 | 0.15% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT STE 605 PROSPECT, KY 40059 | AFLAC | $114 | — | $114 | 0.14% |
| OLIVIA K ELLIOTT3 | 9004 BILLINGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $99 | — | $99 | 0.12% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $76 | — | $76 | 0.09% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $73 | — | $73 | 0.09% |
| ERIC C WOLFE3 | 2610 CLAYS MILL RD LEXINGTON, KY 40503 | AFLAC | $34 | — | $34 | 0.04% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $32 | — | $32 | 0.04% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $32 | — | $32 | 0.04% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $30 | — | $30 | 0.04% |
| KERRY KIMBROUGH3 | PO BOX 23275 LEXINGTON, KY 40523 | AFLAC | $30 | — | $30 | 0.04% |
| DEBORAH MCGREGOR ADDESSI3 | 1710 ALEXANDRIA DR STE 1 LEXINGTON, KY 40504 | AFLAC | $30 | — | $30 | 0.04% |
| MARION G CARRITHERS3 Filed as: MARION G CARITHERS | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $28 | — | $28 | 0.03% |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIR LOUISVILLE, KY 40241 | AFLAC | $27 | — | $27 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | AFLAC | $21 | — | $21 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | AFLAC | $21 | — | $21 | 0.03% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 903 TAMARISK CT LOUISVILLE, KY 40223 | AFLAC | $21 | — | $21 | 0.03% |
| DEBRA R OBERLIES3 | 2040 S PINE HILL RD LEXINGTON, IN 47138 | AFLAC | $19 | — | $19 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $17 | — | $17 | 0.02% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $17 | — | $17 | 0.02% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $17 | — | $17 | 0.02% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $14 | — | $14 | 0.02% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $11 | — | $11 | 0.01% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $10 | — | $10 | 0.01% |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $8 | — | $8 | 0.01% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $6 | — | $6 | 0.01% |
| LLOYD W HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $4 | — | $4 | 0.00% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $4 | — | $4 | 0.00% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $4 | — | $4 | 0.00% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $3 | — | $3 | 0.00% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $2 | — | $2 | 0.00% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60602 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID A EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M BROCK3 | 3116 WILLIAMSON COUNTY PKWY MARION, IL 62959 | AFLAC | $1 | — | $1 | 0.00% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $0 | — | $0 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $0 | — | $0 | 0.00% |
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $4K | $109 | $4K | 6.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | AFLAC | $1K | — | $1K | 2.30% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $980 | — | $980 | 1.62% |
| REBECCA ANN DOEPKE3 | 6312 MISTFLOWER CIR PROSPECT, KY 40059 | AFLAC | $784 | $32 | $816 | 1.35% |
| RONNIE LEE JANES JR3 | 7013 WESTRIDGE FOREST CT LANESVILLE, IN 47136 | AFLAC | $313 | $23 | $336 | 0.56% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $323 | — | $323 | 0.54% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | AFLAC | $209 | — | $209 | 0.35% |
| AMBER NICOLE RICHARDSON3 Filed as: AMBER NICOLE SMITH | 5836 BROOKS HILL RD BROOKS, KY 40109 | AFLAC | $124 | $51 | $175 | 0.29% |
| OLIVIA K ELLIOTT3 | 9004 BILLINGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $77 | — | $77 | 0.13% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $65 | — | $65 | 0.11% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $64 | — | $64 | 0.11% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $56 | — | $56 | 0.09% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $47 | — | $47 | 0.08% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $29 | — | $29 | 0.05% |
| MARION G CARRITHERS3 | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $25 | — | $25 | 0.04% |
| ERIC C WOLFE3 | 2610 CLAYS MILL RD LEXINGTON, KY 40503 | AFLAC | $24 | — | $24 | 0.04% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $24 | — | $24 | 0.04% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 903 TAMARISK CT LOUISVILLE, KY 40223 | AFLAC | $20 | — | $20 | 0.03% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $16 | — | $16 | 0.03% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $13 | — | $13 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $12 | — | $12 | 0.02% |
| DEBORAH MCGREGOR ADDESSI3 | 1710 ALEXANDRIA DR STE 1 LEXINGTON, KY 40504 | AFLAC | $9 | — | $9 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $9 | — | $9 | 0.01% |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIR LOUISVILLE, KY 40241 | AFLAC | $8 | — | $8 | 0.01% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $7 | — | $7 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $5 | — | $5 | 0.01% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $5 | — | $5 | 0.01% |
| BRITNEY WAINSCOTT3 | 141 BROME DR NICHOLASVILLE, KY 40356 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $3 | — | $3 | 0.00% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | AFLAC | $3 | — | $3 | 0.00% |
| RUEANN M EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $3 | — | $3 | 0.00% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $3 | — | $3 | 0.00% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DR FLORENCE, KY 41042 | AFLAC | $2 | — | $2 | 0.00% |
| THE DIAMOND AGENCY LLC3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $1 | — | $1 | 0.00% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN S MARTIN3 | 3280 BLAZER PKWY STE 201 LEXINGTON, KY 40509 | AFLAC | $1 | — | $1 | 0.00% |
| JONATHAN ANDREW FERGUSON3 | 5549 FIVE KNOLLS DR CHARLOTTE, NC 28226 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.84% |
| 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 | $585 | — | $585 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $87K |
| PHIL BROWN INSURANCE AGENCY INC BROKER | Other commissions Service code 55 | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | $24K |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $10K |
| Short-term disability(2 contracts) | AFLAC | 203 | $141K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $313K |
| Other(6 contracts, 4 carriers) | AFLAC | 291 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
No prospect flags tripped on this filing.