| 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. | $194K | — | $194K | 3.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $6K | $6K | 0.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 2111 E HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $5K | $21K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $155 | $155 | 0.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 2111 E HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $208 | $208 | 0.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 2111 E HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $4K | $21K | 25.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $186 | $186 | 0.23% |
| 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 | $4K | — | $4K | 11.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 2111 E HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 25.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $59 | $59 | 0.24% |
| 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 | 9.20% |
| JP BARTA3 Filed as: BARTA JP | 331 TOWNE PARK CIRCLE SUITE 200 LOUISVILLE, KY 40243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.22% |
| 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 | $481 | — | $481 | 9.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 2111 E HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $264 | $264 | $528 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12 | $12 | 0.23% |
| 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 | $18 | — | $18 | 19.57% |
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 | 1,116 | 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) | 1,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 740 | $5.9M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 740 | $5.9M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 740 | $5.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,043 | $188K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $101K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27 | $5K |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,043 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,043 | — |
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.