| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $202 | $2K | 17.00% |
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $2K | $5 | $2K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $887 | $2 | $889 | — |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $679 | — | $679 | — |
| REBECCA ANN DOEPKE3 | 9506 CIVIC WAY APT 305 PROSPECT, KY 40059 | AFLAC | $395 | — | $395 | — |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $221 | — | $221 | — |
| RONNIE LEE JANES JR | 7013 WESTRIDGE FOREST CT LANESVILLE, IN 47136 | AFLAC | $134 | — | $134 | — |
| DAVID LUURTSEMA3 | 308 ROSEDALE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $118 | $2 | $120 | — |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $96 | — | $96 | — |
| AMBER NICOLE RICHARDSON3 Filed as: AMBER NICOLE SMITH | 5836 BROOKS HILL RD BROOKS, KY 40109 | AFLAC | $54 | $35 | $89 | — |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $84 | — | $84 | — |
| ERIC C WOLFE3 | 2610 CLAYS MILL RD LEXINGTON, KY 40503 | AFLAC | $67 | — | $67 | — |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $33 | — | $33 | — |
| LARRY A SHIPMAN3 | 3214 RUNNING DEER CIRCLE LOUISVILLE, KY 40241 | AFLAC | $29 | — | $29 | — |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $17 | — | $17 | — |
| WILLIAM H CARDER II3 | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $14 | — | $14 | — |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $13 | — | $13 | — |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $13 | — | $13 | — |
| MARION G CARRITHERS3 | 2522 CAROLINA AVENUE LOUISVILLE, KY 40205 | AFLAC | $12 | — | $12 | — |
| JAMES A RIED3 Filed as: JAMES REID | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $12 | — | $12 | — |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $10 | — | $10 | — |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PLACE LOUISVILLE, KY 40241 | AFLAC | $10 | — | $10 | — |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $9 | — | $9 | — |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $7 | — | $7 | — |
| DEBRA R OBERLIES3 | 2040 S PINE HILL ROAD LEXINGTON, IN 47138 | AFLAC | $6 | — | $6 | — |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $4 | — | $4 | — |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVENUE OAK PARK, IL 60302 | AFLAC | $3 | — | $3 | — |
| TAJNA R MCGINNIS3 | 1850 FARNSLEY ROAD LOUISVILLE, KY 40216 | AFLAC | $2 | — | $2 | — |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER COURT SUITE 102 LOUISVILLE, KY 40299 | AFLAC | $1 | — | $1 | — |
| LLOYD W HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $1 | — | $1 | — |
| TANDRA FAYE FREED3 | 719 LAWMAN AVENUE BRIDGEPORT, WV 26330 | AFLAC | $1 | — | $1 | — |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $1 | — | $1 | — |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 114 | $10K |
| Other | AFLAC | 50 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.