| 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. | $61K | $6K | $68K | 1.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $31K | $0 | $31K | 0.50% |
| 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 | $1K | $1K | 0.02% |
| 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 | $40K | $9K | $49K | 18.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | PO BOX 23410 LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.87% |
| 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 | $86 | $0 | $86 | 2.30% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE, SUITE 50 KNOXVILLE, TN 37919 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 1.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | PO BOX 23410 LOUISVILLE, KY 40223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 1.55% |
| BOAR ENROLLMENT STRATEGIES3 | 2444 BROAD STREET, SUITE 209 CHATTANOOGA, TN 37408 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 1.10% |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 706 | $6.3M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 706 | $6.3M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 706 | $6.3M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 352 | $271K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 352 | $267K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 352 | $267K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 706 | $6.3M |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 706 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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.