| 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 | $30K | — | $30K | 4.31% |
| JENNIFER LYNN HUNTER3 | 4046 ASHGROVE ROAD NICHOLASVILLE, KY 40356 | AFLAC | $2K | — | $2K | 2.96% |
| HEATHER L MAMMEN3 | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $1K | $62 | $1K | 1.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $1K | — | $1K | 1.56% |
| ARLIS L MCMAHON3 | 3136 GLENWOOD DRIVE LEXINGTON, KY 40509 | AFLAC | $864 | — | $864 | 1.34% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE SUITE 26 LEXINGTON, KY 40509 | AFLAC | $362 | $10 | $372 | 0.58% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE ROAD LEXINGTON, KY 40502 | AFLAC | $352 | — | $352 | 0.55% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $264 | — | $264 | 0.41% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $149 | $34 | $183 | 0.28% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $168 | — | $168 | 0.26% |
| JESSICA SWICK3 | 444 JIM FORSYTHE LANE HARRODSBURG, KY 40330 | AFLAC | $151 | $13 | $164 | 0.25% |
| AMELIA S COX3 | 1265 ROY DUGGER ROAD LONDON, KY 40741 | AFLAC | $139 | — | $139 | 0.22% |
| JOSHUA C BURTON3 | 2819 NORTH PARHAM ROAD SUITE 240 RICHMOND, VA 23294 | AFLAC | $119 | — | $119 | 0.18% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $107 | — | $107 | 0.17% |
| ARTHUR M PRIDDY3 | 214 LIBERTY ROAD JACKSON, TN 38305 | AFLAC | $107 | — | $107 | 0.17% |
| BARBARA WAYNE3 | 577 SOUTHBROOK DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $10 | $46 | $56 | 0.09% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $39 | — | $39 | 0.06% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $38 | — | $38 | 0.06% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $36 | — | $36 | 0.06% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $33 | — | $33 | 0.05% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $33 | — | $33 | 0.05% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY SUITE 201 LEXINGTON, KY 40509 | AFLAC | $33 | — | $33 | 0.05% |
| MARY CARMELA BERARDI3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $27 | — | $27 | 0.04% |
| DALE I DAVIS3 Filed as: DALE VINCE STOVER | 7420 OLD RICHMOND ROAD LEXINGTON, KY 40515 | AFLAC | $21 | — | $21 | 0.03% |
| EARL MATTHEW BONNIVILLE3 | 330 VILEY LANE GEORGETOWN, KY 40324 | AFLAC | $19 | — | $19 | 0.03% |
| AMY JOHANNEMANN3 | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $15 | — | $15 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 3209 SOUTH CHEROKEE LANE SUITE 510 LEXINGTON, KY 40507 | AFLAC | $14 | — | $14 | 0.02% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2045 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $8 | — | $8 | 0.01% |
| EARL MATTHEW BONNIVILLE3 | 988 TANBARK ROAD LEXINGTON, KY 40515 | AFLAC | $5 | — | $5 | 0.01% |
| KRISTYNE E BLACKFORD3 | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $3 | — | $3 | 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 | $4K | — | $4K | 13.30% |
| 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 | 5.00% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $366 | $2K | 7.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.74% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | $35 | $661 | 2.89% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $358 | $232 | $590 | 2.58% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $414 | — | $414 | 1.81% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $14 | $273 | 1.19% |
| LISA DAWN RENNELL3 | 3313 ORCHARD GRASS ROAD LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 1.18% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.26% |
| MARK CHRISTOPHER HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.08% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC | 4021 ST GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $218 | — | $218 | 18.96% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $696K |
| Dental | DELTA DENTAL OF KENTUCKY | 160 | $27K |
| Vision(2 contracts, 2 carriers) | AFLAC | 102 | $75K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 168 | $97K |
| Short-term disability | AFLAC | 37 | $65K |
| Other(4 contracts, 4 carriers) | AFLAC | 168 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.