| 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 | HARTFORD LIFE AND ACCIDENT | $21K | $0 | $21K | 20.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $10K | $0 | $10K | 10.00% |
| MARSHA S TALLEY3 Filed as: MARSHA S. TALLEY | 4295 WEST PEBBLE DRIVE JASPER, IN 47546 | AFLAC | $671 | $15 | $686 | 5.53% |
| MJ INSURANCE3 Filed as: KYLE R. ELLISON AND VARIOUS AGENTS | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $363 | $7 | $370 | 2.98% |
| ZACHARY ROOSEVELT NUGENT3 | 1348 WEST MAGNOLIA STREET JASPER, IN 47546 | AFLAC | $308 | $32 | $340 | 2.74% |
| JANE A. KATTER3 | PO BOX 81 JASPER, IN 47547 | AFLAC | $174 | $0 | $174 | 1.40% |
| ROBIN FROMME3 | 1001 EISENHOWER AVENUE JASPER, IN 47546 | AFLAC | $95 | $22 | $117 | 0.94% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE L. JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $102 | $6 | $108 | 0.87% |
| ERIN SMITH3 | 403 MOSSBERG COURT BARDSTOWN, KY 40004 | AFLAC | $101 | $0 | $101 | 0.81% |
| MARSHA S TALLEY3 Filed as: MARSHA S. TALLEY | 4295 WEST PEBBLE DRIVE JASPER, IN 47546 | AFLAC | $618 | $0 | $618 | 7.45% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE L. JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $128 | $0 | $128 | 1.54% |
| MJ INSURANCE3 Filed as: CHRIS GEHLHAUSEN AND VARIOUS AGENTS | 873 3RD AVENUE JASPER, IN 47546 | AFLAC | $68 | $0 | $68 | 0.82% |
| JANE A. KATTER3 | PO BOX 81 JASPER, IN 47547 | AFLAC | $60 | $0 | $60 | 0.72% |
| ROBIN FROMME3 | 1001 EISENHOWER AVENUE JASPER, IN 47546 | AFLAC | $31 | $0 | $31 | 0.37% |
| TARA SCHNAUS3 | 3060 NORTH WALNUT RIDGE COURT JASPER, IN 47546 | AFLAC | $29 | $0 | $29 | 0.35% |
| KIMBERLY A. MORRIS3 | 3166 EBY ROAD BOONVILLE, IN 47601 | AFLAC | $29 | $0 | $29 | 0.35% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 286 | $103K |
| Vision | PARAMOUNT DENTAL | 286 | $103K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 175 | $105K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 175 | $105K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 175 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.