| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.52% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC - GARY | MCCLURE 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $975 | — | $975 | 3.56% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $811 | $131 | $942 | 3.59% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $778 | $49 | $827 | 3.15% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $10 | $288 | 1.10% |
| VIOLET P COOTS3 | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.36% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DRIVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.32% |
| LEIGH L ARMSTRONG3 | 1330 WALNUT WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $6 | $80 | 0.31% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DR HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.20% |
| USI INSURANCE SERVICES LLC3 | 101 W MAIN ST NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.15% |
| LISA GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.11% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.06% |
| JEFFREY WANN3 | 513 E EAGLE PASS RD ELIZABETHTOWN, KY 42701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.05% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.05% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $875 | $4K | 19.12% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.64% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.06% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC - GARY | MCCLURE 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 10.00% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $688 | $208 | $896 | 6.01% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $577 | $69 | $646 | 4.33% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $18 | $212 | 1.42% |
| VIOLET P COOTS3 | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.56% |
| LEIGH L ARMSTRONG3 | 1330 WALNUT WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $4 | $62 | 0.42% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DRIVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.30% |
| CHARIE LYN SMITH3 | 4035 GLEN LILY RD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.30% |
| USI INSURANCE SERVICES LLC3 | 101 W MAIN ST NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.16% |
| MARYANNE ANDERSON4 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.09% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| JEFFREY WANN3 | 513 E EAGLE PASS RD ELIZABETHTOWN, KY 42701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DR HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
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 | 88 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 218 | $27K |
| Vision | DELTA DENTAL OF KENTUCKY | 222 | $18K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 128 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $20K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 128 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.