| 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 | $29K | $2K | $31K | 3.99% |
| JENNIFER LYNN HUNTER3 | 4046 ASHGROVE ROAD NICHOLASVILLE, KY 40356 | AFLAC | $4K | — | $4K | 3.08% |
| HEATHER L MAMMEN3 | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | AFLAC | $3K | $251 | $3K | 2.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $3K | — | $3K | 2.29% |
| ARLIS L MCMAHON3 | 3136 GLENWOOD DRIVE LEXINGTON, KY 40509 | AFLAC | $2K | — | $2K | 1.39% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $770 | $103 | $873 | 0.76% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE ROAD LEXINGTON, KY 40502 | AFLAC | $692 | — | $692 | 0.60% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $647 | — | $647 | 0.56% |
| DALE I DAVIS3 Filed as: DALE VINCE STOVER | 7420 OLD RICHMOND ROAD SUITE 605 LEXINGTON, KY 40515 | AFLAC | $235 | $180 | $415 | 0.36% |
| EARL MATTHEW BONNIVILLE3 | 988 TANBARK ROAD LEXINGTON, KY 40515 | AFLAC | $190 | $159 | $349 | 0.30% |
| RUEANN EMERSON3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $328 | — | $328 | 0.29% |
| AMELIA S COX3 | 1340 SOUTH LAUREL ROAD LONDON, KY 40744 | AFLAC | $301 | — | $301 | 0.26% |
| ARTHUR M PRIDDY3 | 214 LIBERTY ROAD JACKSON, TN 38305 | AFLAC | $234 | — | $234 | 0.20% |
| R AARON WRIGHT3 | 9200 SHELBY VILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $219 | — | $219 | 0.19% |
| MARY CARMELA BERARDI3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $205 | — | $205 | 0.18% |
| JONATHON LUKE GIFFORD3 | 1078 CANE RIDGE ROAD PARIS, KY 40361 | AFLAC | $203 | — | $203 | 0.18% |
| AMY JOHANNEMANN3 | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $176 | $17 | $193 | 0.17% |
| JOSHUA C BURTON3 | 4550 MARSHALL RUN CIRCLE APARTMENT 308 GLEN ALLEN, VA 23059 | AFLAC | $179 | — | $179 | 0.16% |
| JOHN R HUGHES3 | 2841 BURNT MILL ROAD LEXINGTON, KY 40511 | AFLAC | $160 | — | $160 | 0.14% |
| TYLER DECKER3 | 4325 COBBLESTONE KNOLL DRIVE LEXINGTON, KY 40515 | AFLAC | $93 | — | $93 | 0.08% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $43 | — | $43 | 0.04% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $41 | — | $41 | 0.04% |
| BRADLEY L ELLIS3 | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40507 | AFLAC | $41 | — | $41 | 0.04% |
| BRIAN S MARTIN3 | 333 E SHORT STREET APARTMENT 130 LEXINGTON, KY 40507 | AFLAC | $36 | — | $36 | 0.03% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $35 | — | $35 | 0.03% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $34 | — | $34 | 0.03% |
| DAVID A EMERSON3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $30 | — | $30 | 0.03% |
| PAULA GAIL NEAL3 Filed as: PAULA C CUTTER | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $19 | — | $19 | 0.02% |
| DAVID A EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $19 | — | $19 | 0.02% |
| MATTHEW HUDSON3 | 3101 WYNBROOKE CIRCLE LOUISVILLE, KY 40241 | AFLAC | $10 | $3 | $13 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID M WATSON3 | 10300 LINN STATION ROAD SUITE 450 LOUISVILLE, KY 40223 | AFLAC | $9 | $3 | $12 | 0.01% |
| AMIRA SHALASH3 | 3401 FREELAND DRIVE LEXINGTON, KY 40502 | AFLAC | $6 | — | $6 | 0.01% |
| KRISTYN E BLACKFORD3 | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $6 | — | $6 | 0.01% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE LEXINGTON, KY 40502 | AFLAC | $1 | — | $1 | 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 | $4K | $21 | $4K | 10.40% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40222 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 5.15% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $529 | — | $529 | 3.45% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | — | $235 | 1.53% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 1.04% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.49% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.12% |
| AMY BOWMAN3 | 6214 SULPHUR WELL NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| 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. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURACE COMPANY | $2K | — | $2K | 12.50% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $799K |
| Dental | DELTA DENTAL OF KENTUCKY | 165 | $30K |
| Vision(2 contracts, 2 carriers) | AFLAC | 110 | $128K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 186 | $149K |
| Short-term disability | AFLAC | 86 | $115K |
| Other(3 contracts, 3 carriers) | AFLAC | 186 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.