| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $90K | $0 | $90K | 15.00% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $24K | $24K | 4.06% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.26% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $56 | $10K | 14.04% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 72104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $267 | $7K | 9.59% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $943 | $347 | $1K | 1.75% |
| MJ INSURANCE3 Filed as: APRIL MECHATTO AND VARIOUS AGENTS | 123 BAYOU CIRCLE GULFPORT, MS 39507 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.14% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.05% |
| EDGILL ENTERPRISES LLC3 | 3403 EAST SEEBLING MILE ROAD GRAND ISLAND, NE 68801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.03% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.02% |
| RONALD CHAMBERS4 Filed as: RONALD L. CHAMBERS | 3281 PLATEAU PLACE CINCINNATI, OH 45241 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $389 | $0 | $389 | 12.48% |
| JOSEPH A. VALENTIC4 | 37679 JEROME DRIVE STERLING HEIGHTS, MI 48312 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $67 | $0 | $67 | 2.15% |
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 | 1,187 | 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) | 1,187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,973 | $495K |
| Vision | VISION SERVICE PLAN | 633 | $139K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,187 | $601K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,187 | $601K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,187 | $601K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,187 | $678K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,973 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.