| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $118 | $118 | 0.08% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $118 | $118 | 0.11% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $118 | $118 | 0.11% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | COMBINED INSURANCE | $6K | — | $6K | 9.50% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | — | COMBINED INSURANCE | $3K | — | $3K | 4.23% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | — | COMBINED INSURANCE | $412 | — | $412 | 0.62% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $118 | $118 | 0.23% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $213 | $0 | $213 | 0.50% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $144 | $2K | 5.80% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $154 | $760 | 2.23% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $594 | $71 | $665 | 1.95% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | $1 | $394 | 1.16% |
| JODY DAN BRYANT3 | 1429 MOUNT AYR CIR BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.04% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DR HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $118 | $118 | 0.43% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $0 | $74 | $74 | — |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 639 | $232K |
| Vision | VISION SERVICE PLAN | 270 | $43K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 410 | $331K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 384 | $109K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 410 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.