| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC- LOUISVILLE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 402235139 | THE DENTAL CONCERN INC. | $2K | $0 | $2K | 4.67% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT ST STE 300 PITTSBURGH, PA 152196401 | THE DENTAL CONCERN INC. | $300 | $0 | $300 | 0.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 10.16% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 301 GRANT ST STE 300 PITTSBURGH, PA 15219 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 10.18% |
| COUNRY HEALTH SERVICES LLC3 | 301 GRANT ST STE 300 PITTSBURGH, PA 152196401 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC- LOUISVILLE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 402235139 | HUMANA INSURANCE COMPANY OF KENTUCKY | $3K | $0 | $3K | 11.67% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT ST STE 300 PITTSBURGH, PA 152196401 | HUMANA INSURANCE COMPANY OF KENTUCKY | $952 | $0 | $952 | 3.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC- LOUISVILLE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 402235139 | HUMANA INSURANCE COMPANY OF KENTUCKY | $2K | $0 | $2K | 9.11% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT ST STE 300 PITTSBURGH, PA 152196401 | HUMANA INSURANCE COMPANY OF KENTUCKY | $559 | $0 | $559 | 2.49% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERN INC. | 112 | $53K |
| Life insurance | HUMANA INSURANCE COMPANY OF KENTUCKY | 172 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 88 | $46K |
| Long-term disability | STANDARD INSURANCE COMPANY | 167 | $46K |
| Other(2 contracts) | HUMANA INSURANCE COMPANY OF KENTUCKY | 172 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.