| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $27K | $27K | 2.70% |
| DAVID KEVIN BOWEN3 Filed as: DAVID K. BOWEN | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $23K | $23K | 2.31% |
| DONALD B BOWEN3 Filed as: DONALD BRYAN BOWEN | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.41% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $1.0M |
| 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.