| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INS AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $704 | $37K | 4.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $7K | — | $7K | 5.08% |
| HEATHER MAMMEN3 | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | AFLAC | $5K | $815 | $6K | 4.58% |
| JENNIFER GRIGGS3 Filed as: JENNIFER HUNTER | 4046 ASHGROVE ROAD NICHOLASVILLE, KY 40356 | AFLAC | $5K | $979 | $6K | 4.15% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $2K | $410 | $2K | 1.47% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $2K | — | $2K | 1.26% |
| ARLIS L MCMAHON3 Filed as: ARLIS MCMAHON | 3136 GLENWOOD DRIVE LEXINGTON, KY 40509 | AFLAC | $2K | — | $2K | 1.25% |
| LAURA J NEWMAN-SUTER3 Filed as: LAURA NEWMAN-SUTER | 414 CHINOE ROAD LEXINGTON, KY 40502 | AFLAC | $1K | $321 | $1K | 1.05% |
| DALE V STOVER3 Filed as: DALE STOVER | 3033 ARROWHEAD DRIVE LEXINGTON, KY 40503 | AFLAC | $1K | $72 | $1K | 0.91% |
| EARL MATTHEW BONNIVILLE3 Filed as: EARL BONNIVILLE | 988 TANBARK ROAD LEXINGTON, KY 40515 | AFLAC | $853 | $139 | $992 | 0.74% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $428 | $400 | $828 | 0.62% |
| AMY JOHANNEMANN3 Filed as: AMY JOHANNCMANN | P.O. BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $756 | — | $756 | 0.56% |
| MELISSA WRIGHT3 | 104 JOSHUA LANE GEORGETOWN, KY 40324 | AFLAC | $411 | $126 | $537 | 0.40% |
| AMELIA S COX3 Filed as: AMELIA COX | 1340 SOUTH LAUREL ROAD LONDON, KY 40744 | AFLAC | $351 | — | $351 | 0.26% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 SUITE 100 GLEN ALLEN, VA 23060 | AFLAC | $338 | — | $338 | 0.25% |
| ARTHUR PRIDDY3 | 214 LIBERTY ROAD JACKSON, TN 38305 | AFLAC | $215 | — | $215 | 0.16% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4550 MARSHALL RUN CIRCLE APARTMENT 308 GLEN ALLEN, VA 23059 | AFLAC | $177 | — | $177 | 0.13% |
| MARY CARMELA BERARDI3 Filed as: MARY BERARDI | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $176 | — | $176 | 0.13% |
| ANDREE GONZALEZ3 | 2221 GULFSTREAM DRIVE LEXINGTON, KY 40504 | AFLAC | $127 | — | $127 | 0.09% |
| BRIAN S MARTIN3 Filed as: BRIAN MARTIN | 333 EAST SHORT STREET APARTMENT 130 LEXINGTON, KY 40507 | AFLAC | $34 | — | $34 | 0.03% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $29 | — | $29 | 0.02% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $28 | — | $28 | 0.02% |
| MATTHEW HUDSON3 | 3101 WYNBROOKE CIRCLE LOUISVILLE, KY 40241 | AFLAC | $21 | — | $21 | 0.02% |
| TYLER DECKER3 | 4325 COBBLESTONE KNOLL DRIVE LEXINGTON, KY 40515 | AFLAC | $21 | — | $21 | 0.02% |
| PAULA CUTTER3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $16 | — | $16 | 0.01% |
| DAVID WATSON3 | 10300 LINN STATION ROAD SUITE 450 LOUISVILLE, KY 40223 | AFLAC | $15 | — | $15 | 0.01% |
| KRISTYN E BLACKFORD3 Filed as: KRISTYN BLACKFORD | 3632 WINDING WOOD LANE LEXINGTON, KY 40515 | AFLAC | $6 | — | $6 | 0.00% |
| AMIRA SHALASH3 | 3401 FREELAND DRIVE LEXINGTON, KY 40502 | AFLAC | $5 | — | $5 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $26 | $5K | 11.90% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 4.11% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | — | $505 | 3.00% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 1.33% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.93% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.39% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.12% |
| AMY BOWMAN3 | 6214 SULPHUR WELL NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| FINCH INSURANCE GROUP LLC3 | 3136 HYDE PARK DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 10300 LINN STATION ROAD SUITE 250 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURACE COMPANY | $2K | — | $2K | 12.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $841K |
| Dental | DELTA DENTAL OF KENTUCKY | 210 | $37K |
| Vision(2 contracts, 2 carriers) | AFLAC | 136 | $145K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 258 | $173K |
| Short-term disability | AFLAC | 122 | $134K |
| Other(3 contracts, 3 carriers) | AFLAC | 258 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.