| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $134K | — | $134K | 3.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 8570 MAGELLAN PARKWAY SUITE 1100 RICHMOND, VA 23227 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $639 | $639 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ANTHEM BLUE CROSS AND BLUE SHIELD | $16K | — | $16K | 6.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNTING SERVICES | 7272 EAST INDIAN SCHOOL ROAD SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $5K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNTING SERVICES | 7272 EAST INDIAN SCHOOL ROAD SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $13K | 25.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES INC. | 7272 EAST INDIAN SCHOOL ROAD SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 19.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY, INC. | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES, INC. | 7272 EAST INDIAN SCHOOL ROAD SCOTTSDALE, AZ 85261 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $348 | $2K | 25.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $267 | — | $267 | 5.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNTING SERVICES | 7272 EAST INDIAN SCHOOL ROAD SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $182 | $182 | $364 | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $271 | — | $271 | 13.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 5.19% |
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 | 646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 600 | $3.6M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 620 | $267K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 600 | $3.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 703 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 22 | $4K |
| Other(10 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 703 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.