| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD, SUITE 1004 LOUISVILLE, KY 40222 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 4.06% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD, SUITE 1004 LOUISVILLE, KY 40222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 15.90% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH COMPANY | UNKNOWN GEORGETOWN, KY 40234 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $452 | $0 | $452 | 0.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD, SUITE 104 LOUISVILLE, KY 40222 | SYMETRA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.58% |
| 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 | $0 | $1K | 5.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $91 | $0 | $91 | 0.40% |
| 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. | $777 | $0 | $777 | 15.53% |
| MASA AGENT3 | UNKNOWN GEORGETPWM, KY 40324 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $336 | $0 | $336 | 6.72% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $74 | $0 | $74 | 1.48% |
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 | 49 | 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) | 49 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 57 | $587K |
| Dental | DELTA DENTAL OF KENTUCKY | 116 | $23K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 57 | $582K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 49 | $37K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 49 | $75K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 57 | $582K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 49 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.