| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 4.55% |
| ROBERT BERNARD SCHMUTTE3 Filed as: ROBERT SCHMUTTE JR | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 4.55% |
| UMR, INC.3 Filed as: UMR INC | 333 W VINE STREET STE 500 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 5.05% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET PO BOX 1779 BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.59% |
| REGINA SCHMUTTE3 Filed as: REGINA M SCHMUTTE | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.59% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $732 | — | $732 | 1.09% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET PO BOX 1779 BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.90% |
| REGINA SCHMUTTE3 Filed as: REGINA M SCHMUTTE | 499 HARTLAND PKWY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.90% |
| UMR, INC.3 Filed as: UMR INC | 333 W VINE STREET STE 500 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 5.06% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $682 | — | $682 | 1.08% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET PO BOX 1779 BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.91% |
| REGINA SCHMUTTE3 Filed as: REGINA M SCHMUTTE | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.91% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $625 | — | $625 | 1.14% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $983 | — | $983 | 4.92% |
| MARY CARMELA BERARDI3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $890 | $62 | $952 | 4.76% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $518 | — | $518 | 2.59% |
| CURTIS SCHWARTZ3 | 599 CHESTNUT STREET BEREA, KY 40403 | AFLAC | $392 | — | $392 | 1.96% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $260 | $12 | $272 | 1.36% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $131 | — | $131 | 0.66% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $120 | — | $120 | 0.60% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $91 | — | $91 | 0.46% |
| LINDSEY HOSKINS3 | 801 E BRANNON RD UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $68 | $12 | $80 | 0.40% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $66 | — | $66 | 0.33% |
| HEATHER L MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $27 | — | $27 | 0.14% |
| ERIN HOLZSCHUH3 Filed as: ERIN L HOLZSCHUH | 550 LATONA RD, STE 410 BUILDING D ROCHESTER, NY 14626 | AFLAC | $18 | $6 | $24 | 0.12% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $3 | — | $3 | 0.02% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $2 | $1 | $3 | 0.02% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $1 | — | $1 | 0.01% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | EYEMED | $996 | — | $996 | 12.34% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 366 | $127K |
| Vision | EYEMED | 367 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 218 | $55K |
| Short-term disability | STANDARD INSURANCE COMPANY | 218 | $67K |
| Long-term disability | STANDARD INSURANCE COMPANY | 218 | $63K |
| Other | AFLAC | 36 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.