| 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 | 5.00% |
| ROBERT BERNARD SCHMUTTE3 Filed as: ROBERT SCHMUTTE JR | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 5.00% |
| UMR, INC.3 Filed as: UMR INC | 333 W VINE STREET STE 500 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 5.50% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET PO BOX 1779 BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| REGINA SCHMUTTE3 Filed as: REGINA M SCHMUTTE | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $740 | — | $740 | 1.07% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET PO BOX 1779 BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.48% |
| REGINA SCHMUTTE3 Filed as: REGINA M SCHMUTTE | 499 HARTLAND PKWY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.48% |
| UMR, INC.3 Filed as: UMR INC | 333 W VINE STREET STE 500 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 5.49% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $684 | — | $684 | 1.04% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET PO BOX 1779 BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| REGINA SCHMUTTE3 Filed as: REGINA M SCHMUTTE | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $597 | — | $597 | 1.10% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | EYEMED | $4K | — | $4K | 9.93% |
| MARY CARMELA BERARDI3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $357 | $87 | $444 | 3.93% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $267 | — | $267 | 2.36% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | AFLAC | $223 | — | $223 | 1.97% |
| CURTIS SCHWARTZ3 | 599 CHESTNUT STREET BEREA, KY 40403 | AFLAC | $213 | — | $213 | 1.89% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $146 | $17 | $163 | 1.44% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $76 | — | $76 | 0.67% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $70 | — | $70 | 0.62% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $48 | — | $48 | 0.42% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $44 | — | $44 | 0.39% |
| LINDSEY HOSKINS3 | 801 E BRANNON RD UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $36 | — | $36 | 0.32% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $28 | — | $28 | 0.25% |
| HEATHER L MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $17 | — | $17 | 0.15% |
| ERIN HOLZSCHUH3 Filed as: ERIN L HOLZSCHUH | 550 LATONA RD, STE 410 BUILDING D ROCHESTER, NY 14626 | AFLAC | $3 | — | $3 | 0.03% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $1 | — | $1 | 0.01% |
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 |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 393 | $123K |
| Vision | EYEMED | 384 | $38K |
| Life insurance | STANDARD INSURANCE COMPANY | 224 | $54K |
| Short-term disability | STANDARD INSURANCE COMPANY | 224 | $69K |
| Long-term disability | STANDARD INSURANCE COMPANY | 224 | $66K |
| Other | AFLAC | 49 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.