| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $25K | — | $25K | 2.90% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | — | $11K | $11K | 1.29% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 40503 | HUMANA HEALTH PLAN, INC. | $82 | — | $82 | 0.01% |
| BRYAN R. BURGESS3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | HUMANA HEALTH PLAN, INC. | -$29 | — | -$29 | -0.00% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $10K | 12.70% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.02% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 109 INTERNATIONAL DRIVE, SUITE 101 FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $575 | — | $575 | 0.70% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | THE DENTAL CONCERN, INC. | $8K | — | $8K | 9.57% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC. | — | $2K | $2K | 3.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 40503 | THE DENTAL CONCERN, INC. | $24 | — | $24 | 0.03% |
| BRYAN R. BURGESS3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | THE DENTAL CONCERN, INC. | -$6 | — | -$6 | -0.01% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 21.19% |
| WILLIAM JONES3 Filed as: WILLIAM D. JONES | 2317 RUSSELLVILLE ROAD SUITE 1 BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.53% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM, INC. | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.74% |
| MJ INSURANCE3 Filed as: MARY HARPER AND VARIOUS AGENTS | 5202 MARLA DRIVE PANAMA CITY, FL 32404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $711 | — | $711 | 1.65% |
| AMY JOHANNEMANN3 Filed as: AMY S. JOHANNEMANN | PO BOX 22806 LOUISVILLE, KY 40252 | CONTINENTAL AMERICAN INSURANCE COMPANY | $400 | — | $400 | 0.93% |
| LINDSAY JOHNSON3 | 659 HILLGREEN STREET BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | — | $287 | 0.67% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP D. BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | — | $234 | 0.54% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 177 | $850K |
| Dental | THE DENTAL CONCERN, INC. | 166 | $82K |
| Vision | THE DENTAL CONCERN, INC. | 166 | $82K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $82K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $82K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $82K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 177 | $850K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.