| 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 | $25K | — | $25K | 4.10% |
| JENNIFER LYNN HUNTER3 | 4046 ASHGROVE ROAD NICHOLASVILLE, KY 40356 | AFLAC | $852 | — | $852 | 2.68% |
| HEATHER L MAMMEN3 | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $506 | — | $506 | 1.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INS AGCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $418 | — | $418 | 1.32% |
| ARLIS L MCMAHON3 | 3136 GLENWOOD DRIVE LEXINGTON, KY 40509 | AFLAC | $406 | — | $406 | 1.28% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE SUITE 26 LEXINGTON, KY 40509 | AFLAC | $247 | — | $247 | 0.78% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE ROAD LEXINGTON, KY 40502 | AFLAC | $189 | — | $189 | 0.59% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $104 | — | $104 | 0.33% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $88 | — | $88 | 0.28% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $53 | — | $53 | 0.17% |
| ARTHUR M PRIDDY3 | 214 LIBERTY ROAD JACKSON, TN 38305 | AFLAC | $43 | — | $43 | 0.14% |
| AMELIA S COX3 | 190 HUBBARD LANE LONDON, KY 40744 | AFLAC | $40 | — | $40 | 0.13% |
| JOSHUA C BURTON3 | 2819 NORTH PARHAM ROAD SUITE 240 RICHMOND, VA 23294 | AFLAC | $39 | — | $39 | 0.12% |
| JESSICA SWICK3 | 118 HUNTER RIDGE DRIVE LAWRENCEBURG, KY 40342 | AFLAC | $35 | — | $35 | 0.11% |
| MARY CARMELA BERARDI3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $26 | — | $26 | 0.08% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY SUITE 201 LEXINGTON, KY 40509 | AFLAC | $23 | — | $23 | 0.07% |
| DAVID A EMERSON3 | 142 NORTHEAST 1ST STREET OAK ISLAND, NC 28465 | AFLAC | $20 | — | $20 | 0.06% |
| BRADLEY L ELLIS3 | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $16 | — | $16 | 0.05% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $16 | — | $16 | 0.05% |
| JESSICA SWICK3 | 429 SHAWNEE AVENUE LEXINGTON, KY 40505 | AFLAC | $15 | — | $15 | 0.05% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $13 | — | $13 | 0.04% |
| EARL MATTHEW BONNIVILLE3 | 330 VILEY LANE GEORGETOWN, KY 40324 | AFLAC | $11 | — | $11 | 0.03% |
| DALE I DAVIS3 Filed as: DALE VINCE STOVER | 7420 OLD RICHMOND ROAD LEXINGTON, KY 40515 | AFLAC | $11 | — | $11 | 0.03% |
| BARBARA WAYNE3 | 577 SOUTHBROOK DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $8 | — | $8 | 0.03% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $5 | — | $5 | 0.02% |
| AMY JOHANNEMANN3 | PO BOX 68 FRENCH LICK, IN 47432 | AFLAC | $4 | — | $4 | 0.01% |
| KRISTYN E BLACKFORD3 | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $2 | — | $2 | 0.01% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY IN | 9300 SHELBYVILLE ROAD SUITE 104 LOUISVILLE, KY 40223 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 4.76% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $925 | $369 | $1K | 7.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $738 | — | $738 | 4.22% |
| BENEFIT INS MARKETING INC3 Filed as: BENEFIT INS MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 1.38% |
| VANCE NEAL MICHAEL3 | 2525 SPRING VALLEY LOOP LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 1.01% |
| LISA GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.83% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.18% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.12% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | 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 | $772 | — | $772 | 9.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | — | MASA INSURANCE SERVICES, INC | $283 | — | $283 | 18.93% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $618K |
| Dental | DELTA DENTAL OF KENTUCKY | 113 | $24K |
| Vision(2 contracts, 2 carriers) | AFLAC | 72 | $40K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 99 | $79K |
| Short-term disability | AFLAC | 21 | $32K |
| Other(4 contracts, 4 carriers) | AFLAC | 99 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.