| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $94K | $36K | $130K | 20.76% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.17% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $523 | $11K | 16.31% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $218 | $42 | $260 | 0.38% |
| AMWINS3 Filed as: AMWINS BENEFITS AND VARIOUS AGENTS | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.09% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.04% |
| EDGHILL ENTERPRISES LLC3 | 1420 WEST Q STREET LINCOLN, NE 68528 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.03% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| CHALSEE CANTRELL3 | 1007 THISTLE DRIVE MESQUITE, TX 75149 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| RONALD CHAMBERS4 Filed as: RONALD H. CHAMBERS | 3281 PLATEAU PLACE CINCINNATI, OH 45241 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $4K | $0 | $4K | 47.62% |
| JOSEPH A. VALENTIC4 | 37679 JEROME DRIVE STERLING HEIGHTS, MI 48312 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $56 | $0 | $56 | 0.68% |
| NATHAN C. TRAYLOR4 | 5362 SUNRISE VIEW CIRCLE LIBERTY TOWNSHIP, OH 45044 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $33 | $0 | $33 | 0.40% |
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 | 1,425 | 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) | 1,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,210 | $552K |
| Vision | VISION SERVICE PLAN | 725 | $157K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,425 | $627K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,425 | $627K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,425 | $627K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,425 | $704K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,210 | — |
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.