| 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 | $20K | $4K | $24K | 24.36% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $6K | $0 | $6K | 8.39% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $54 | $1K | 8.47% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | $91 | $431 | 2.62% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | $36 | $349 | 2.12% |
| LISA GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.43% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.24% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.15% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE AND OTHER AGENTS | 600 WEST MAIN STREET LOUISVILLE, KY 40202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.15% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $927 | $0 | $927 | 6.20% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 229 | $73K |
| Vision | VISION SERVICE PLAN | 97 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $100K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $100K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.