| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42104 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 13.73% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE ADMINISTRATORS LLC | 6110 TECHNOLOGY CENTER DR SUITE 500 INDIANAPOLIS, IN 46278 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 4.60% |
| UMR, INC.3 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE SUITE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY | — | $981 | $981 | 0.44% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | DELTA DENTAL OF KENTUCKY | $13K | — | $13K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | EYEMED | $2K | — | $2K | 10.19% |
| MARY CARMELA BERARDI3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $2K | $233 | $3K | — |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $2K | — | $2K | — |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $233 | $15 | $248 | — |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $234 | — | $234 | — |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $193 | $23 | $216 | — |
| CURTIS SCHWARTZ3 | 388 SHERMAN AVE LEXINGTON, KY 40502 | AFLAC | $167 | — | $167 | — |
| BRENT HUTCHINSON3 | 333 W VINE ST STE 300 LEXINGTON, KY 40507 | AFLAC | $139 | $24 | $163 | — |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $65 | — | $65 | — |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $59 | — | $59 | — |
| HEATHER L MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $25 | — | $25 | — |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $16 | — | $16 | — |
| LINDSEY HOSKINS3 | 801 E BRANNON RD UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $16 | — | $16 | — |
| COY BRYAN KERSEY3 | 6037 LAURELWOOD DR MILTON, FL 32570 | AFLAC | $15 | — | $15 | — |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | AFLAC | $14 | — | $14 | — |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $8 | — | $8 | — |
| ERIN HOLZSCHUH3 Filed as: ERIN L HOLZSCHUH | 550 LATONA RD, STE 410 BUILDING D ROCHESTER, NY 14626 | AFLAC | $4 | — | $4 | — |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUTIE 150 202 LELAND, NC 28451 | AFLAC | $3 | — | $3 | — |
| PAULA WINCHELL | 940 CORA WILBORN RD SUMMER SHADE, KY 42166 | AFLAC | $1 | — | $1 | — |
| KEVIN R MCINERNEY3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $1 | — | $1 | — |
| BRIANNA MILLER3 | 941 TOM WORD RD SUMMER SHADE, KY 42166 | AFLAC | $1 | — | $1 | — |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 354 | $126K |
| Vision | EYEMED | 328 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 266 | $225K |
| Short-term disability | STANDARD INSURANCE COMPANY | 266 | $225K |
| Long-term disability | STANDARD INSURANCE COMPANY | 266 | $225K |
| Other | AFLAC | 36 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.