| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS CROUP INC | PO BOX 1779 BOWLING GREEN, KY 42102 | SYMETRA LIFE INSURNACE COMPANY | $18K | $3K | $21K | 23.28% |
| HOUCHENS INSURANCE4 Filed as: HOUCHENS INS GROUP INC | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | ANTHEM INSURANCE COMPANIES | $26K | — | $26K | 1185.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 13 | — | $740K |
| TRUE RX MANAGEMENT SERVICES INC EIN 26-0502364 BENEFIT ADMINISTRATOR | Claims processing Service code 12 | PO BOX 431, 2495 E. NATIONAL HWY WASHINGTON, IN 47501 | $100K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $29K |
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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURNACE COMPANY | 670 | $91K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES | 659 | $2K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURNACE COMPANY | 670 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.