| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | ANTHEM HEALTH PLANS OF KY, INC | $104K | — | $104K | 1.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 300 N BEACH ST DAYTONA BEACH, FL 32114 | ANTHEM HEALTH PLANS OF KY, INC | $51K | — | $51K | 0.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KY, INC | — | $12K | $12K | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSS AGY OF VA INC | 1122 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ANTHEM HEALTH PLANS OF KY, INC | — | $427 | $427 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $3K | $54K | 15.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICE, INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | STARMOUNT LIFE INSURANCE COMPANY | $15K | $3K | $18K | 10.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $13K | $397 | $13K | 44.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $8K | $257 | $9K | 44.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $6K | $184 | $6K | 44.83% |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC | 778 | $6.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 667 | $183K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KY, INC | 778 | $7.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 877 | $349K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 877 | $349K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 877 | $349K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 877 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.