| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 3.00% |
| ASSUREDPARTNERS3 | 1792 ALYSHEBA WAY, SUITE 300 LEXINGTON, KY 40509 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD, SUITE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $1K | $0 | $1K | 3.68% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $251 | $0 | $251 | 0.91% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $124 | $0 | $124 | 0.45% |
| GLEN ESTES3 | 201 BELLEFONTE COURT SIMPSONVILLE, KY 40067 | AFLAC | $2K | $23 | $2K | 6.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD, SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $1K | $0 | $1K | 4.43% |
| OLIVIA K ELLIOTT3 Filed as: OLIVIA K. ELLIOTT | 4704 SUNNY MEADOW COURT LOUSIVILLE, KY 40241 | AFLAC | $1K | $0 | $1K | 3.70% |
| MJ INSURANCE3 Filed as: MARK A. GALVIN AND VARIOUS AGENTS | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $878 | $8 | $886 | 3.27% |
| KAREN L ESTES3 Filed as: KAREN L. ESTES | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $573 | $0 | $573 | 2.12% |
| SEHT O. AKERS3 | 487 NORMANDY STATION ROAD TAYLORSVILLE, KY 40071 | AFLAC | $425 | $0 | $425 | 1.57% |
| RONNIE LEE JANES JR3 Filed as: RONNIE LEE JANES, JR. | 7013 WESTRIDGE FOREST COURT LANESVILLE, IN 47136 | AFLAC | $183 | $5 | $188 | 0.69% |
| 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 | $1K | $0 | $1K | 11.48% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $221 | $0 | $221 | 2.32% |
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. |
| 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 57 | $665K |
| Dental | DELTA DENTAL OF KENTUCKY | 99 | $28K |
| Vision | DELTA DENTAL OF KENTUCKY | 99 | $28K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 114 | $10K |
| Short-term disability | AFLAC | 44 | $27K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $701K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.