| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 40503 | HUMANA HEALTH PLAN, INC. | $23K | $0 | $23K | 2.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS. AGENCY INC. | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $11K | $0 | $11K | 1.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | $0 | $10K | $10K | 0.97% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS. GRP. INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $0 | $630 | $630 | 0.06% |
| BRYAN R. BURGESS3 | 1750 SCOTTSLVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $0 | $18 | $18 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $3K | $20K | 17.28% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 40503 | THE DENTAL CONCERN, INC. | $8K | $0 | $8K | 8.93% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS. AGENCY INC. | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | THE DENTAL CONCERN, INC. | $1K | $0 | $1K | 1.46% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GRP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE DENTAL CONCERN, INC. | $0 | $607 | $607 | 0.64% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC. | $0 | $306 | $306 | 0.32% |
| BRYAN R. BURGESS3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE DENTAL CONCERN, INC. | $0 | $35 | $35 | 0.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 9.78% |
| WILIAM D. JONES3 | 2317 RUSSELVILLE ROAD, UNIT 1 BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.44% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.28% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM INC. | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.56% |
| MJ INSURANCE3 Filed as: STEVEN HILL AND VARIOUS AGENTS | 389 CLAYPOOL BOYCE ROAD ALVATON, KY 42122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $348 | $0 | $348 | 0.69% |
| AMY JOHANNEMANN3 Filed as: AMY S. JOHANNEMANN | PO BOX 22806 LOUISVILLE, KY 40252 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | $0 | $229 | 0.45% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP D. BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | $0 | $196 | 0.39% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 205 | $1.1M |
| Dental | THE DENTAL CONCERN, INC. | 197 | $95K |
| Vision | THE DENTAL CONCERN, INC. | 197 | $95K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 420 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 420 | $118K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 420 | $118K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 205 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 420 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.