| 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 | HUMANA HEALTH PLAN, INC. | $15K | $3K | $18K | 1.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 20.11% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.40% |
| ANDREW W LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.75% |
| REBECCA A DEFERRARO3 | 307 MONOHAN DRIVE LOUISVILLE, KY 40207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.20% |
| LEEZA DANIELE WRIGHT3 Filed as: LEEZA D WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.88% |
| SARAH WEYMOUTH3 Filed as: SARAH L PROBUS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $829 | — | $829 | 0.78% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $388 | — | $388 | 0.36% |
| DALE I DAVIS3 | 333 EAST SHORT STREET SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 0.20% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 0.20% |
| KIRK HASTINGS3 | 12601 TOWNSPARK WAY SUITE 205 LOUISVILLE, KY 40243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | 0.18% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 18867 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | 0.18% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.15% |
| ENROLLEASE3 Filed as: RONALD L CLARKE | 10300 LINN STATION ROAD LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.15% |
| REBECCA A DEFERRARO3 | 307 MONOHAN DRIVE LOUISVILLE, KY 40207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 9.73% |
| 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 | 11.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | THE DENTAL CONCERN, INC. | $1K | — | $1K | 9.21% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 100 | $1.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 212 | $48K |
| Vision | THE DENTAL CONCERN, INC. | 100 | $13K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 225 | $147K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $28K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 225 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.