| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $83K | $0 | $83K | 1.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $0 | $2K | $2K | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | $32K | $3K | $35K | 16.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | PO BOX 23410 LOUISVILLE, KY 40232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.15% |
| BOAR ENROLLMENT STRATEGIES | 2444 BROAD STREET, SUITE 209 CHATTANOOGA, TN 37408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $333 | $0 | $333 | 1.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS, INC. | 19 WEST GARDEN STREET, SUITE 300 PENSACOLA, FL 32502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $230 | $0 | $230 | 0.76% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 8081 KINGSTON PIKE, SUITE 50 KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS, INC. | 19 WEST GARDEN STREET, SUITE 300 PENSACOLA, FL 32502 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $0 | $92 | 2.35% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 8081 KINGSTON PIKE, SUITE 50 KNOXVILLE, TN 37919 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 1.56% |
| BOAR ENROLLMENT STRATEGIES3 | 2444 BROAD STREET, SUITE 209 CHATTANOOGA, TN 37408 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 1.15% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 638 | $4.8M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 638 | $4.8M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 638 | $4.8M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 287 | $218K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 287 | $214K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 287 | $214K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 638 | $4.8M |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 638 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.