| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $35K | $35K | 2.70% |
| DAVID KEVIN BOWEN3 Filed as: DAVID K. BOWEN | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 2.31% |
| DONALD B BOWEN3 Filed as: DONALD BRYAN BOWEN | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.41% |
| MICHAEL THOMAS WAMBLE3 | 811 CHAPARRAL DRIVE LEBANON, TN 37087 | AFLAC | $8K | $48 | $8K | 9.50% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD, STE 201 MOUNT JULIET, TN 37122 | AFLAC | $3K | $14 | $3K | 3.29% |
| THOMAS M WILLIAMSON3 | 88 ABBEY ROAD LEBANON, TN 37090 | AFLAC | $2K | $12 | $2K | 2.54% |
| DAVID KEVIN BOWEN3 Filed as: DAVID K. BOWEN | 1029 ELMSHADE LANE NASHVILLE, TN 37211 | AFLAC | $2K | $14 | $2K | 2.25% |
| DONALD B BOWEN3 Filed as: DONALD BRYAN BOWEN | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | AFLAC | $727 | $7 | $734 | 0.86% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | AFLAC | $366 | $0 | $366 | 0.43% |
| EVERETT C BICKEL3 | 14970 CENTER HILL DAM ROAD SILVER POINT, TN 38582 | AFLAC | $365 | — | $365 | 0.43% |
| PETER J EMMERT3 | 1048 W 17TH STREET BLOOMINGTON, IN 47404 | AFLAC | $250 | — | $250 | 0.29% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $183 | — | $183 | 0.22% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY, SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $181 | — | $181 | 0.21% |
| DAVID B RAY3 | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | AFLAC | $140 | — | $140 | 0.16% |
| COURTNEY ANN HARDEBECK3 | 4919 E COUNTY ROAD 1025 N SEYMOUR, IN 47274 | AFLAC | $97 | — | $97 | 0.11% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF COURT GLENCOA, MO 63038 | AFLAC | $93 | — | $93 | 0.11% |
| NOLAN DOYLE MCCUE3 | 541 N MOUNT JULIET RD, STE 2201A MOUNT JULIET, TN 37122 | AFLAC | $85 | — | $85 | 0.10% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD, UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $75 | — | $75 | 0.09% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD, STE 204 NASHVILLE, TN 37215 | AFLAC | $72 | — | $72 | 0.08% |
| AMBER REESE3 | 3515 PARK LODGE COURT, APT F INDIANAPOLIS, IN 46205 | AFLAC | $65 | — | $65 | 0.08% |
| JOHN G WELLBORN3 | 497 SERENOA ROAD, STE 204 SANTA ROSA BEACH, FL 32459 | AFLAC | $61 | — | $61 | 0.07% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD, STE 204 NASHVILLE, TN 37215 | AFLAC | $56 | — | $56 | 0.07% |
| ALAN W MARTIN3 Filed as: ALAN W. MARTIN | 123 CENTER PARK DRIVE, STE 102 KNOXVILLE, TN 37922 | AFLAC | $50 | — | $50 | 0.06% |
| ROBERT W BURGETT3 | 2601 FORTUNE CIRCLE E, STE 103A INDIANAPOLIS, IN 46241 | AFLAC | $42 | — | $42 | 0.05% |
| STEVEN H STEINHAUER3 | P.O. BOX 817 HENDERSONVILLE, TN 37077 | AFLAC | $37 | — | $37 | 0.04% |
| PETER J EMMERT3 | 2601 FORTUNE CIRCLE E, STE 103A INDIANAPOLIS, IN 46241 | AFLAC | $36 | — | $36 | 0.04% |
| JON J SCHAEFER3 | 603 E WASHINGTON ST, STE 100 INDIANAPOLIS, IN 46204 | AFLAC | $33 | — | $33 | 0.04% |
| JASON MULL3 | 1220 CHICKEN ROAD LEBANON, TN 37090 | AFLAC | $31 | $1 | $32 | 0.04% |
| STEPHEN A ANDERSON3 | 161 WYNBROOKE TRACE HENDERSONVILLE, TN 37075 | AFLAC | $30 | — | $30 | 0.04% |
| CAROLYN G DEVER3 | 2411 CRESTMOOR ROAD, APT 105 NASHVILLE, TN 37215 | AFLAC | $24 | — | $24 | 0.03% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $21 | — | $21 | 0.02% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER ROAD NORTH FREEDOM, WI 53951 | AFLAC | $17 | — | $17 | 0.02% |
| ANN OAKLEY3 | 5940 HOOVER ROAD LASCASSAS, TN 37085 | AFLAC | $14 | — | $14 | 0.02% |
| JOHN T JEWELL3 | 1005 LOBLOLLY DRIVE MURFREESBORO, TN 37128 | AFLAC | $12 | — | $12 | 0.01% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $12 | — | $12 | 0.01% |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD, STE 204 NASHVILLE, TN 37215 | AFLAC | $12 | — | $12 | 0.01% |
| RONALD A DASHKOVITZ3 | 20 MILLPOND TRAIL SAGINAW, MI 48603 | AFLAC | $10 | — | $10 | 0.01% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR, STE 108 MURFREESBORO, TN 37129 | AFLAC | $8 | — | $8 | 0.01% |
| THOMAS ROBERT GIDDENS3 | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $6 | — | $6 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $5 | — | $5 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD, STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $4 | — | $4 | 0.00% |
| JON R OVERACRE3 | 10502 W 133RD TERR, APT 107 OVERLAND PARK, KS 66213 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M WARDLAW, JR | 5300 OAKBROOK PKWY, BLG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $2 | — | $2 | 0.00% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $1 | — | $1 | 0.00% |
| ROGER MURRAY JOHNSON3 | 1311 DECATUR CIRCLE FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH B SMITH3 | 4720 TWIN OAKS DRIVE, NW KENNESAW, GA 30152 | AFLAC | $0 | — | $0 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 109 INTERNATIONAL DRIVE, SUITE 101 FRANKLIN, TN 370671761 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 5.00% |
| BOWEN, DAVID K3 | 6513 BANBURY CROSSING BRENTWOOD, TN 370278262 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 5.00% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY, INC. | P.O. BOX 1779 BOWLING GREEN, KY 42103 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| DAVID KEVIN BOWEN3 Filed as: DAVID K. BOWEN | 6513 BANBURY CROSSING BRENTWOOD, TN 370278262 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.50% |
| DONALD B BOWEN3 Filed as: DONALD BRYAN BOWEN | 6513 BANBURY CROSSING BRENTWOOD, TN 370278262 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $648 | — | $648 | 1.50% |
| BOWEN, DAVID K3 | 6513 BANBURY CROSSING BRENTWOOD, TN 370278262 | COMPBENEFITS INSURANCE COMPANY | $519 | — | $519 | 5.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHEN INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 405031363 | COMPBENEFITS INSURANCE COMPANY | $519 | — | $519 | 5.00% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GRP, INC DBA INS SPECI | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 421043375 | COMPBENEFITS INSURANCE COMPANY | $47 | — | $47 | 0.45% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 176 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 239 | $62K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 94 | $10K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 116 | $43K |
| Short-term disability | AFLAC | 89 | $85K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 116 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.