| 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 KENTUCKY, INC. | $67K | $4K | $71K | 3.39% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $1K | $37K | 20.19% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.78% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $11K | $0 | $11K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $6K | $0 | $6K | 9.42% |
| PAMELA SATTERLY3 | 305 WILLIAMSBURG ROAD FRANKLIN, KY 42134 | AFLAC | $2K | $228 | $3K | 4.07% |
| JENNIFER KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $26 | $2K | 3.65% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $109 | $2K | 2.59% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $947 | $29 | $976 | 1.50% |
| LORI R GRIZZELL3 Filed as: LORI GRIZZELL | 1069 SOUTH HEWITT ROAD BOWLING GREEN, KY 42103 | AFLAC | $426 | $62 | $488 | 0.75% |
| CHAD THOMPSON3 | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $291 | $0 | $291 | 0.45% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 391 | $2.1M |
| Dental | PARAMOUNT DENTAL | 398 | $109K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 322 | $34K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $182K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $182K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $182K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 391 | $2.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.