| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | $0 | $44K | 4.47% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $17K | 23.69% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 9.42% |
| TYLER M TRAVIS3 Filed as: TYLER M. TRAVIS | 707 LESLIE AVENUE GLASGOW, KY 42141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $820 | $0 | $820 | 6.22% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP D. BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.19% |
| HEATHER TRAVIS3 | 53 RED BARN WAY CAVE CITY, KY 42127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.16% |
| MJ INSURANCE3 Filed as: WILLIAM D. JONES AND VARIOUS AGENTS | 2317 RUSSELLVILLE ROAD, UNIT 1 BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $986K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $986K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $986K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $74K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $74K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $74K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $986K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.