| 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. | $69K | $0 | $69K | 2.85% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | $0 | $6K | 0.24% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 7.28% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.58% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40K | $6K | $46K | 46.19% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 9.24% |
| VIOLET P COOTS3 Filed as: VIOLET P COOT AND MISC AGENTS | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $569 | $5K | 5.28% |
| FRANKIE GLEE WILLIAMS3 | 206 HURRICANE SHORES ROAD SCOTTSVILLE, KY 42164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $634 | $4K | 4.10% |
| DEBORAH S GOLDEN3 | 1830 DESTNY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $876 | $4K | 3.53% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $100 | $3K | 3.17% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $658 | $3K | 3.17% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.03% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 407 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 550 | $299K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 442 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 550 | $299K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 550 | $299K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 550 | $299K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 407 | $2.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 550 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.