| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $6K | $16 | $6K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | AFLAC | $3K | — | $3K | 2.04% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $2K | — | $2K | 1.64% |
| REBECCA ANN DOEPKE3 | 6312 MISTFLOWER CIR PROSPECT, KY 40059 | AFLAC | $1K | $5 | $1K | 1.00% |
| OLIVIA K ELLIOTT3 | 4704 SUNNY MEADOW CT LOUISVILLE, KY 40241 | AFLAC | $783 | — | $783 | 0.61% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | AFLAC | $582 | — | $582 | 0.45% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $487 | — | $487 | 0.38% |
| RONNIE LEE JANES JR3 | 7013 WESTRIDGE FOREST CT LANESVILLE, IN 47136 | AFLAC | $465 | $4 | $469 | 0.37% |
| AMBER NICOLE RICHARDSON3 | 5836 BROOKS HILL RD BROOKS, KY 40109 | AFLAC | $225 | $212 | $437 | 0.34% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $274 | — | $274 | 0.21% |
| SETH O AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | AFLAC | $231 | — | $231 | 0.18% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $174 | — | $174 | 0.14% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $118 | — | $118 | 0.09% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $98 | — | $98 | 0.08% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 903 TAMARISK CT LOUISVILLE, KY 40223 | AFLAC | $72 | — | $72 | 0.06% |
| ERIC C WOLFE3 | 2610 CLAYS MILL RD LEXINGTON, KY 40503 | AFLAC | $53 | — | $53 | 0.04% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $50 | — | $50 | 0.04% |
| KERRY KIMBROUGH3 | PO BOX 23275 LEXINGTON, KY 40523 | AFLAC | $47 | — | $47 | 0.04% |
| DEBORAH MCGREGOR ADDESSI3 | 1710 ALEXANDRIA DR STE 1 LEXINGTON, KY 40504 | AFLAC | $47 | — | $47 | 0.04% |
| MARION G CARRITHERS3 | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $44 | — | $44 | 0.03% |
| LARRY A SHIPMAN3 | 14003 OLDWOOD PL LOUISVILLE, KY 40245 | AFLAC | $43 | — | $43 | 0.03% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $38 | — | $38 | 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 | $33 | — | $33 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | AFLAC | $33 | — | $33 | 0.03% |
| DEBRA R OBERLIES3 | 2040 S PINE HILL RD LEXINGTON, IN 47138 | AFLAC | $30 | — | $30 | 0.02% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $27 | — | $27 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $25 | — | $25 | 0.02% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $24 | — | $24 | 0.02% |
| STEPHANIE RINGER3 | 411 WALNUT ST #9859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $22 | — | $22 | 0.02% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $15 | — | $15 | 0.01% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $15 | — | $15 | 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% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $7 | — | $7 | 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% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $3 | — | $3 | 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% |
| 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 | $1 | — | $1 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $1 | — | $1 | 0.00% |
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $7K | $36 | $7K | 6.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | AFLAC | $3K | — | $3K | 3.18% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $2K | — | $2K | 1.53% |
| REBECCA ANN DOEPKE3 | 6312 MISTFLOWER CIR PROSPECT, KY 40059 | AFLAC | $1K | $12 | $1K | 1.26% |
| OLIVIA K ELLIOTT3 | 4704 SUNNY MEADOW CT LOUISVILLE, KY 40241 | AFLAC | $1K | — | $1K | 1.19% |
| RONNIE LEE JANES JR3 | 7013 WESTRIDGE FOREST CT LANESVILLE, IN 47136 | AFLAC | $714 | $8 | $722 | 0.71% |
| SETH O AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | AFLAC | $435 | — | $435 | 0.43% |
| AMBER NICOLE RICHARDSON3 | 5836 BROOKS HILL RD BROOKS, KY 40109 | AFLAC | $344 | $4 | $348 | 0.34% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | AFLAC | $264 | — | $264 | 0.26% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $254 | — | $254 | 0.25% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $166 | — | $166 | 0.16% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $104 | — | $104 | 0.10% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $97 | — | $97 | 0.10% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 903 TAMARISK CT LOUISVILLE, KY 40223 | AFLAC | $68 | — | $68 | 0.07% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $55 | — | $55 | 0.05% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $49 | — | $49 | 0.05% |
| MARION G CARRITHERS3 | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $43 | — | $43 | 0.04% |
| ERIC C WOLFE3 | 2610 CLAYS MILL RD LEXINGTON, KY 40503 | AFLAC | $42 | — | $42 | 0.04% |
| STEPHANIE RINGER3 | 411 WALNUT ST #9859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $41 | — | $41 | 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 | $22 | — | $22 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $16 | — | $16 | 0.02% |
| LARRY A SHIPMAN3 | 14003 OLDWOOD PL LOUISVILLE, KY 40245 | AFLAC | $14 | — | $14 | 0.01% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $11 | — | $11 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $9 | — | $9 | 0.01% |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $9 | — | $9 | 0.01% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $8 | — | $8 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $5 | — | $5 | 0.00% |
| BRITNEY WAINSCOTT3 | 141 BROME DR NICHOLASVILLE, KY 40356 | AFLAC | $4 | — | $4 | 0.00% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | 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% |
| DEBORAH MCGREGOR ADDESSI3 | 1710 ALEXANDRIA DR STE 1 LEXINGTON, KY 40504 | AFLAC | $1 | — | $1 | 0.00% |
| RUEANN M EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN S MARTIN3 | 3280 BLAZER PKWY STE 100 LOUISVILLE, KY 40509 | AFLAC | $1 | — | $1 | 0.00% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | 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 | $5K | — | $5K | 15.00% |
| 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 | 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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $51K |
| Short-term disability(2 contracts) | AFLAC | 206 | $230K |
| Other(5 contracts, 3 carriers) | AFLAC | 314 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.