| 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 KY, INC. | $39K | $3K | $42K | 4.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | ANTHEM HEALTH PLANS OF KY, INC. | $9K | — | $9K | 0.91% |
| 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 KY, INC. | — | $2K | $2K | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES,IN | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 17.82% |
| BENEFITMALL3 Filed as: CORNERSTONE DBA BENEFITMALL | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| BENEFITMALL3 Filed as: CORNERSTONE DBA BENEFITMALL | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $868 | $868 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $868 | — | $868 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 18.27% |
| BENEFITMALL3 Filed as: CORNERSTONE DBA BENEFITMALL | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $440 | $440 | 4.99% |
| BENEFITMALL3 Filed as: CORNERSTONE DBA BENEFITMALL | — | LIFE INSURANCE COMPANY NORTH AMERICA | — | $117 | $117 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | — | LIFE INSURANCE COMPANY NORTH AMERICA | $117 | — | $117 | 5.00% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 163 | $975K |
| Dental | ANTHEM HEALTH PLANS OF KY, INC. | 163 | $975K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 163 | $975K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $9K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY NORTH AMERICA | 10 | $2K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.