| 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 | $24K | — | $24K | 3.92% |
| 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 | 13.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INS AGCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $699 | — | $699 | 2.58% |
| JENNIFER LYNN HUNTER3 | 4046 ASHGROVE ROAD NICHOLASVILLE, KY 40356 | AFLAC | $622 | — | $622 | 2.30% |
| WESLEY E JARBOE3 | 1102 LEATHERS LANE FRANKFORT, KY 40601 | AFLAC | $448 | — | $448 | 1.66% |
| HEATHER L MAMMEN3 | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $418 | — | $418 | 1.55% |
| ARLIS L MCMAHON3 | 3136 GLENWOOD ROAD LEXINGTON, KY 40509 | AFLAC | $321 | — | $321 | 1.19% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $244 | — | $244 | 0.90% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | AFLAC | $192 | — | $192 | 0.71% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE ROAD LEXINGTON, KY 40502 | AFLAC | $178 | — | $178 | 0.66% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $76 | — | $76 | 0.28% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $73 | — | $73 | 0.27% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $42 | — | $42 | 0.16% |
| ARTHUR M PRIDDY3 | 214 LIBERTY ROAD JACKSON, TN 38305 | AFLAC | $40 | — | $40 | 0.15% |
| JESSICA SWICK3 | 429 SHAWNEE AVENUE LEXINGTON, KY 40505 | AFLAC | $33 | — | $33 | 0.12% |
| JOSHUA C BURTON3 | 4198 COX ROAD SUITE 113 GLEN ALLEN, VA 23060 | AFLAC | $30 | — | $30 | 0.11% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY SUITE 100 LEXINGTON, KY 40509 | AFLAC | $22 | — | $22 | 0.08% |
| AMELIA S COX3 | 190 HUBBARD LANE LONDON, KY 40744 | AFLAC | $21 | — | $21 | 0.08% |
| DAVID A EMERSON3 | 142 NORTHEAST 1ST STREET OAK ISLAND, NC 28465 | AFLAC | $17 | — | $17 | 0.06% |
| EARL MATTHEW BONNIVILLE3 | 330 VILEY LANE GEORGETOWN, KY 40324 | AFLAC | $12 | — | $12 | 0.04% |
| BRADLEY L ELLIS3 | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $12 | — | $12 | 0.04% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $12 | — | $12 | 0.04% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $9 | — | $9 | 0.03% |
| MARY CARMELA BERARDI3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $5 | — | $5 | 0.02% |
| AMY JOHANNEMANN3 | PO BOX 68 FRENCH LICK, IN 47432 | AFLAC | $3 | — | $3 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $3 | — | $3 | 0.01% |
| BARBARA WAYNE3 | 577 SOUTHBROOK DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $2 | — | $2 | 0.01% |
| DALE I DAVIS3 Filed as: DALE VINCE STOVER | 7420 OLD RICHMOND ROAD LEXINGTON, KY 40515 | AFLAC | $2 | — | $2 | 0.01% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $1 | — | $1 | 0.00% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 22.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.51% |
| SYDNEY CORREA3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $59 | $385 | 1.42% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 0.80% |
| LISA GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.50% |
| VANCE NEAL MICHAEL3 | 2525 SPRING VALLEY LOOP LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.50% |
| RASHAD WILLIAMS3 | 23285 CONIFER DRIVE DENHAM SPRINGS, LA 70726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.41% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.11% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $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 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 4.96% |
| 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 | $701 | — | $701 | 9.91% |
| 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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 64 | $620K |
| Dental | DELTA DENTAL OF KENTUCKY | 123 | $22K |
| Vision(2 contracts, 2 carriers) | AFLAC | 80 | $34K |
| Life insurance(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 106 | $85K |
| Short-term disability | AFLAC | 24 | $27K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 106 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.