| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE RD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $7K | $0 | $7K | 6.59% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.26% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.98% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE RD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE CONPANY | $48 | $1 | $49 | 2.82% |
| JODY DAN BRYANT3 | 2377 SOUTH FORD AVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE CONPANY | $45 | $0 | $45 | 2.59% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE CONPANY | $22 | — | $22 | 1.26% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE CONPANY | $17 | $2 | $19 | 1.09% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE CONPANY | $16 | $1 | $17 | 0.98% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE CONPANY | $9 | $0 | $9 | 0.52% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE CONPANY | $1 | — | $1 | 0.06% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | HARTFORD LIFE AND ACCIDENT | $143 | — | $143 | 15.05% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 291 | $110K |
| Vision | VISION SERVICE PLAN | 122 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $39K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.