| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KY, INC. | $42K | $6K | $48K | 2.22% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $3K | $24K | 12.13% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $2K | $21K | 10.40% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $20K | $0 | $20K | 14.70% |
| PAMELA SATTERLY3 | 305 WILLIAMSBURG ROAD FRANKLIN, KY 42134 | AFLAC | $15K | $549 | $15K | 11.12% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | AFLAC | $4K | $2K | $7K | 4.76% |
| HEATHER TRAVIS3 Filed as: HEATHER PECK | 53 RED BARN WAY CAVE CITY, KY 42127 | AFLAC | $5K | $23 | $5K | 3.77% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $4K | $114 | $5K | 3.34% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $0 | $2K | 1.63% |
| MJ INSURANCE3 Filed as: JOSEPH KELLER AND VARIOUS AGENTS | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $9 | $2K | 1.32% |
| PAULA HENDRICK3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $5K | $0 | $5K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.22% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 411 | $2.2M |
| Dental | PARAMOUNT DENTAL | 212 | $55K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 332 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $200K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $200K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $200K |
| Prescription drug | ANTHEM HEALTH PLANS OF KY, INC. | 411 | $2.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.