| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $7K | $236 | $8K | 4.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | AFLAC | $4K | — | $4K | 2.33% |
| OLIVIA K ELLIOTT3 | 4704 SUNNY MEADOW CT LOUISVILLE, KY 40241 | AFLAC | $3K | $116 | $3K | 1.88% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $2K | — | $2K | 1.47% |
| SETH O AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | AFLAC | $1K | $77 | $1K | 0.87% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIR PROSPECT, KY 40059 | AFLAC | $781 | $26 | $807 | 0.51% |
| MARK GALVIN LLC3 Filed as: MARK GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $775 | — | $775 | 0.49% |
| RONNIE LEE JANES JR3 | 7013 WESTRIDGE FOREST CT LANESVILLE, IN 47136 | AFLAC | $625 | $49 | $674 | 0.43% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | AFLAC | $613 | — | $613 | 0.39% |
| AMBER NICOLE RICHARDSON3 | 1241 LYNDON LN RADCLIFF, KY 40160 | AFLAC | $325 | $31 | $356 | 0.23% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $184 | — | $184 | 0.12% |
| ERIC JETT3 | 4311 BROOKHAVEN AVE LOUISVILLE, KY 40220 | AFLAC | $122 | — | $122 | 0.08% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $111 | — | $111 | 0.07% |
| OLIVE SIMPLE BENEFIT SOLUTIONS LLC3 Filed as: OLIVE SIMPLE BENEFIT SOLUTIONS LL | 9004 BILLINGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $93 | — | $93 | 0.06% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $83 | — | $83 | 0.05% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 903 TAMARISK CT LOUISVILLE, KY 40223 | AFLAC | $71 | — | $71 | 0.05% |
| ERIC C WOLFE3 | 2610 CLAYS MILL RD LEXINGTON, KY 40503 | AFLAC | $60 | — | $60 | 0.04% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $54 | — | $54 | 0.03% |
| KERRY KIMBROUGH3 | PO BOX 23275 LEXINGTON, KY 40523 | AFLAC | $52 | — | $52 | 0.03% |
| DEBORAH MCGREGOR ADDESSI3 | 2116 WINTERBERRY DR LEXINGTON, KY 40504 | AFLAC | $52 | — | $52 | 0.03% |
| MARION G CARRITHERS3 | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $48 | — | $48 | 0.03% |
| LARRY A SHIPMAN3 | 14003 OLDWOOD PL LOUISVILLE, KY 40245 | AFLAC | $45 | — | $45 | 0.03% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $43 | — | $43 | 0.03% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $43 | — | $43 | 0.03% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $41 | — | $41 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | AFLAC | $36 | — | $36 | 0.02% |
| DEBRA R OBERLIES3 | 2040 S PINE HILL RD LEXINGTON, IN 47138 | AFLAC | $32 | — | $32 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD STE 1004 LOUISVILLE, KY 40222 | AFLAC | $31 | — | $31 | 0.02% |
| JAMES A RIED3 | 150 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $31 | — | $31 | 0.02% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $29 | — | $29 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $26 | — | $26 | 0.02% |
| STEPHANIE RINGER3 | 411 WALNUT ST #9859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $24 | — | $24 | 0.02% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $16 | — | $16 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $15 | — | $15 | 0.01% |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $14 | — | $14 | 0.01% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $9 | — | $9 | 0.01% |
| NATE ELLIOTT3 | 4704 SUNNY MEADOW CT LOUISVILLE, KY 40241 | AFLAC | $7 | — | $7 | 0.00% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $6 | — | $6 | 0.00% |
| 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 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | 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 | $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 | $5K | $193 | $5K | 5.29% |
| 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 | 2.88% |
| OLIVIA K ELLIOTT3 | 4704 SUNNY MEADOW CT LOUISVILLE, KY 40241 | AFLAC | $3K | $103 | $3K | 2.75% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $1K | — | $1K | 1.33% |
| SETH O AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | AFLAC | $1K | $80 | $1K | 1.20% |
| RONNIE LEE JANES JR3 | 7013 WESTRIDGE FOREST CT LANESVILLE, IN 47136 | AFLAC | $483 | $44 | $527 | 0.55% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIR PROSPECT, KY 40059 | AFLAC | $446 | $16 | $462 | 0.48% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $353 | — | $353 | 0.37% |
| AMBER NICOLE RICHARDSON3 | 1241 LYNDON LN RADCLIFF, KY 40160 | AFLAC | $272 | $29 | $301 | 0.31% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | AFLAC | $208 | — | $208 | 0.22% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $84 | — | $84 | 0.09% |
| OLIVE SIMPLE BENEFIT SOLUTIONS LLC3 | 9004 BILLINGSGATE PL LOUISVILLE, KY 40242 | AFLAC | $75 | — | $75 | 0.08% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $66 | — | $66 | 0.07% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 903 TAMARISK CT LOUISVILLE, KY 40223 | AFLAC | $60 | — | $60 | 0.06% |
| JON-CLAUDE SABOL3 | 213 RIDGEWAY AVE LOUISVILLE, KY 40207 | AFLAC | $45 | — | $45 | 0.05% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $38 | — | $38 | 0.04% |
| ERIC C WOLFE3 | 2610 CLAYS MILL RD LEXINGTON, KY 40503 | AFLAC | $38 | — | $38 | 0.04% |
| MARION G CARRITHERS3 | 2522 CAROLINA AVE LOUISVILLE, KY 40205 | AFLAC | $37 | — | $37 | 0.04% |
| STEPHANIE RINGER3 | 411 WALNUT ST #9859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $36 | — | $36 | 0.04% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $25 | — | $25 | 0.03% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $23 | — | $23 | 0.02% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $19 | — | $19 | 0.02% |
| NATE ELLIOTT3 | 4704 SUNNY MEADOW CT LOUISVILLE, KY 40241 | AFLAC | $16 | — | $16 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $14 | — | $14 | 0.01% |
| LARRY A SHIPMAN3 | 14003 OLDWOOD PL LOUISVILLE, KY 40245 | AFLAC | $12 | — | $12 | 0.01% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $9 | — | $9 | 0.01% |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $8 | — | $8 | 0.01% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $7 | — | $7 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $4 | — | $4 | 0.00% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $1 | — | $1 | 0.00% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | 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 | $4K | — | $4K | 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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $22K |
| Short-term disability(2 contracts) | AFLAC | 202 | $253K |
| Other(5 contracts, 3 carriers) | AFLAC | 318 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.