| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDLINK INC3 Filed as: MEDLINK, INC. | PO BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $27K | $6K | $33K | 5.02% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $5K | — | $5K | 0.81% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | PO BOX 23570 LOUSIVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $3K | $1K | $4K | 9.70% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42101 | THE DENTAL CONCERN, INC. | $398 | — | $398 | 0.99% |
| VMI ACQUISITION INC3 Filed as: VMI ACQUISITION, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $975 | $44 | $1K | 5.93% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $452 | $160 | $612 | 3.56% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1870 PLANO RICHPOND ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $484 | $78 | $562 | 3.27% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $222 | $32 | $254 | 1.48% |
| MARYANN ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.88% |
| FRANKIE GLEE WILLIAMS3 Filed as: FRANKIE GLEE WILIAMS | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.43% |
| MJ INSURANCE3 Filed as: BRENDA H BRIDGES AND VARIOUS AGENTS | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.19% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | PO BOX 23570 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY OF KENTUCKY | $746 | $149 | $895 | 14.65% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | HUMANA INSURANCE COMPANY OF KENTUCKY | $169 | — | $169 | 2.77% |
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 | 86 | 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) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 85 | $671K |
| Dental | THE DENTAL CONCERN, INC. | 80 | $40K |
| Vision | THE DENTAL CONCERN, INC. | 80 | $40K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 127 | $23K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 28 | $17K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 85 | $653K |
| Other(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 127 | $677K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.