| 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 | $26K | — | $26K | 4.05% |
| 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 | 3.89% |
| JENNIFER LYNN HUNTER3 | 4046 ASHGROVE ROAD NICHOLASVILLE, KY 40356 | AFLAC | $2K | — | $2K | 2.60% |
| HEATHER L MAMMEN3 | 468 BOBO O LINK DRIVE LEXINGTON, KY 40503 | AFLAC | $1K | $177 | $2K | 1.78% |
| HEATHER L MAMMEN3 | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $1K | $2 | $1K | 1.68% |
| ARLIS L MCMAHON3 | 3136 GLENWOOD DRIVE LEXINGTON, KY 40509 | AFLAC | $1K | — | $1K | 1.17% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE TOOD FUGATE | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $924 | — | $924 | 1.08% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $812 | $76 | $888 | 1.03% |
| JESSICA SWICK3 | 444 JIM FORSYTHE LANE HARRODSBURG, KY 40330 | AFLAC | $586 | $209 | $795 | 0.93% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE ROAD LEXINGTON, KY 40502 | AFLAC | $408 | — | $408 | 0.47% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $197 | — | $197 | 0.23% |
| AMELIA S COX3 | 1265 ROY DUGGER ROAD LONDON, KY 40741 | AFLAC | $192 | — | $192 | 0.22% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $128 | — | $128 | 0.15% |
| JOSHUA C BURTON3 | 12140 MANOR WALK DRIVE GLEN ALLEN, VA 23059 | AFLAC | $122 | — | $122 | 0.14% |
| ARTHUR M PRIDDY3 | 214 LIBERTY ROAD JACKSON, TN 38305 | AFLAC | $115 | — | $115 | 0.13% |
| MARY CARMELA BERARDI3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $90 | — | $90 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 3209 SOUTH CHEROKEE LANE SUITE 510 LEXINGTON, KY 40507 | AFLAC | $88 | — | $88 | 0.10% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $73 | — | $73 | 0.08% |
| KATHLEEN CLARKSON3 | 7002 KY HIGHWAY 1194 #2 STANFORD, KS 40484 | AFLAC | $70 | — | $70 | 0.08% |
| DAKOTA MABRY3 | 147 CRUMBAUGH ROAD GEORGETOWN, KY 40324 | AFLAC | $66 | — | $66 | 0.08% |
| JACOB HEDRICK3 | 1103 RICHMOND ROAD APARTMENT 102 LEXINGTON, KY 40502 | AFLAC | $52 | — | $52 | 0.06% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $45 | — | $45 | 0.05% |
| KRISTIANNA J FLY3 | PO BOX 206 SUITE 605 NORTH MIDDLETOWN, KY 40357 | AFLAC | $45 | — | $45 | 0.05% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $39 | — | $39 | 0.05% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $39 | — | $39 | 0.05% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $39 | — | $39 | 0.05% |
| EARL MATTHEW BONNIVILLE3 | 988 TANBARK ROAD LEXINGTON, KY 40515 | AFLAC | $38 | — | $38 | 0.04% |
| AMY JOHANNEMANN3 | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $37 | — | $37 | 0.04% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY SUITE 201 LEXINGTON, KY 40509 | AFLAC | $36 | — | $36 | 0.04% |
| DALE I DAVIS3 Filed as: DALE VINCE STOVER | 7420 OLD RICHMOND ROAD LEXINGTON, KY 40515 | AFLAC | $33 | — | $33 | 0.04% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $12 | — | $12 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2045 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $10 | — | $10 | 0.01% |
| ALEXIS SCOTT3 | 500 JUNIPER DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $5 | — | $5 | 0.01% |
| MIRANDA JOHNSON3 | 2728 HAYDEN PARKE LANE LEXINGTON, KY 40511 | AFLAC | $4 | — | $4 | 0.00% |
| KRISTYNE E BLACKFORD3 Filed as: KRISTYNE BLACKFORD | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $3 | — | $3 | 0.00% |
| BARBARA WAYNE3 | 577 SOUTHBROOK DRIVE NICOLASVILLE, KY 40356 | AFLAC | $2 | — | $2 | 0.00% |
| ALEXIS SCOTT3 | 261 REBEL ROAD APARTMENT 2 NICHOLASVILLE, KY 40356 | AFLAC | $2 | — | $2 | 0.00% |
| AMIRA SHALASH3 | 8 STERLING COURT NORTHBOROUGH, MA 01532 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID M WATSN3 | 10300 LINN STATION ROAD SUITE 450 LOUISVILLE, KY 40223 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW HUDSON3 | 9201 PINE LAKE DRIVE UNIT 201 LOUISVILLE, KY 40220 | AFLAC | $2 | — | $2 | 0.00% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $2 | — | $2 | 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 | — | $5K | 12.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 4.61% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $666 | $328 | $994 | 6.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $804 | $60 | $864 | 5.29% |
| LISA DAWN RENNELL3 | 3313 ORCHARD GRASS ROAD LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $732 | $57 | $789 | 4.83% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | $135 | $688 | 4.21% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $611 | — | $611 | 3.74% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.83% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.46% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| 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 | $1K | — | $1K | 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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 90 | $661K |
| Dental | DELTA DENTAL OF KENTUCKY | 165 | $27K |
| Vision(2 contracts, 2 carriers) | AFLAC | 111 | $97K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 175 | $123K |
| Short-term disability | AFLAC | 51 | $86K |
| Other(3 contracts, 3 carriers) | AFLAC | 175 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.