| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $36K | — | $36K | 1.63% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42104 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 14.11% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE SUITE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY | — | $11K | $11K | 4.79% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | DELTA DENTAL OF KENTUCKY | $12K | — | $12K | 10.00% |
| MARY CARMELA BERARDI3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $954 | $68 | $1K | 5.91% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $712 | — | $712 | 4.11% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $204 | $13 | $217 | 1.25% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $164 | — | $164 | 0.95% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $144 | — | $144 | 0.83% |
| CURTIS SCHWARTZ3 | 388 SHERMAN AVE LEXINGTON, KY 40502 | AFLAC | $112 | — | $112 | 0.65% |
| BRENT HUTCHINSON3 | 333 W VINE ST STE 300 LEXINGTON, KY 40507 | AFLAC | $95 | $13 | $108 | 0.62% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $45 | — | $45 | 0.26% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $40 | — | $40 | 0.23% |
| HEATHER L MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $23 | — | $23 | 0.13% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $15 | — | $15 | 0.09% |
| LINDSEY HOSKINS3 | 801 E BRANNON RD UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $15 | — | $15 | 0.09% |
| COY BRYAN KERSEY3 | 6037 LAURELWOOD DR MILTON, FL 32570 | AFLAC | $14 | — | $14 | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | AFLAC | $13 | — | $13 | 0.08% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $13 | — | $13 | 0.08% |
| ERIN HOLZSCHUH3 Filed as: ERIN L HOLZSCHUH | 550 LATONA RD, STE 410 BUILDING D ROCHESTER, NY 14626 | AFLAC | $4 | — | $4 | 0.02% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUTIE 150 202 LELAND, NC 28451 | AFLAC | $3 | — | $3 | 0.02% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $1 | — | $1 | 0.01% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | EYEMED | $2K | — | $2K | 13.13% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 308 | $2.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 329 | $123K |
| Vision | EYEMED | 343 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 224 | $222K |
| Short-term disability | STANDARD INSURANCE COMPANY | 224 | $222K |
| Long-term disability | STANDARD INSURANCE COMPANY | 224 | $222K |
| Other | AFLAC | 35 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.