| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | $0 | $74K | 3.00% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 0.58% |
| HOUCHENS INSURANCE3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $20K | $0 | $20K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | STANDARD INSURANCE COMPANY | $20K | $10K | $30K | 22.25% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $2K | $16K | 14.41% |
| TED BENNETT3 | 1087 ARISTIDES DRIVE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $584 | $2K | 1.79% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DRIVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $218 | $2K | 1.49% |
| DAVID SPARKS PURVIS3 Filed as: DAVID S. PURVIS AND OTHER AGENTS | 3840 SADDLE BEND OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $111 | $1K | 1.32% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE, SUITE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $920 | $171 | $1K | 1.01% |
| LEIGH L ARMSTRONG3 Filed as: LEIGH L. ARMSTRONG | 1330 WALNUT WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $873 | $121 | $994 | 0.92% |
| ANNE OWENS3 | 127 ABERDINE WAY GEORGETOWN, KY 40324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | $0 | $356 | 0.33% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.24% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $8K | $1K | $9K | 38.51% |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $2.5M |
| Dental | DELTA DENTAL OF KENTUCKY | 458 | $198K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 453 | $23K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 485 | $197K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 485 | $197K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 485 | $197K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $2.5M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 485 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.