| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $4K | $22K | 24.38% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $7K | $0 | $7K | 9.95% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEY, KY 42104 | VISION SERVICE PLAN | $501 | $0 | $501 | 3.33% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 SOMERSET, KY 42501 | VISION SERVICE PLAN | $429 | $0 | $429 | 2.85% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT | $802 | $3 | $805 | 6.66% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT | $483 | $14 | $497 | 4.11% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT | $241 | $56 | $297 | 2.46% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT | $234 | $57 | $291 | 2.41% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT | $66 | $0 | $66 | 0.55% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DRIVE HOPKINSVILLE, KY 42104 | COLONIAL LIFE & ACCIDENT | $38 | $0 | $38 | 0.31% |
| MARYANNE ANDERSON3 Filed as: MARYANNE ANDERSON & VAR AGENTS | 104 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT | $17 | $0 | $17 | 0.14% |
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 | 133 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 234 | $75K |
| Vision | VISION SERVICE PLAN | 103 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $92K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $92K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $92K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.