| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | COMMUNITY INSURANCE COMPANY | $45K | $2K | $47K | 2.31% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SVCS AGENCY | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $0 | $1K | $1K | 0.06% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | STANDARD LIFE INSURANCE COMPANY | $7K | $4K | $11K | 16.17% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SVCS AGENCY | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.94% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 30.25% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RIDGE COLD SPRING, NY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 11.38% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA AGNES WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.72% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.02% |
| KRISTY J FISHBACK3 Filed as: KRISTY J. FISHBACK | 1095 BILLINGSLEY DRIVE BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.43% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $768 | $0 | $768 | 2.59% |
| CHAD RICHARDSON3 Filed as: CHAD JASON RICHARDSON AND OTHERS | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $569 | $0 | $569 | 1.92% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.14% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SVCS AGENCY | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | $0 | $913 | $913 | 6.55% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 312 | $2.0M |
| Dental | COMMUNITY INSURANCE COMPANY | 312 | $2.0M |
| Vision | COMMUNITY INSURANCE COMPANY | 312 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | STANDARD LIFE INSURANCE COMPANY | 184 | $79K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD LIFE INSURANCE COMPANY | 184 | $79K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD LIFE INSURANCE COMPANY | 184 | $79K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 312 | $2.0M |
| Other(3 contracts, 3 carriers) | STANDARD LIFE INSURANCE COMPANY | 184 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.