| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $125K | $43K | $168K | 20.18% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.08% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $4K | $0 | $4K | 1.88% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $2K | $23K | 24.54% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $732 | $2K | 2.03% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.04% |
| APRIL MECHATTO3 Filed as: APRIL MECHATTO AND MISC AGENTS | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.03% |
| EDGHILL ENTERPRISES LLC3 | 7811 FRAMTON ROAD LINCOLN, NE 68516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.02% |
| CHALSESE CANTRELL3 | 1007 THISTLE DRIVE MESQUITE, TX 75149 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| INTERNATIONAL CHAMBERS GROUP INC4 Filed as: INTERNATIONAL CHAMBERS GROUP NC | 4211 PEPPERMILL LANE BLUE ASH, OH 45242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $5K | $0 | $5K | 26.38% |
| TRACY KATZ LLC4 | 1662 EAST MELTON ROAD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $99 | $0 | $99 | 0.52% |
| ALBERT TIMM4 | 3073 SOUTH CHASE AVENUE, BLDG 1 MILWAUKEE, WI 53207 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $69 | $0 | $69 | 0.36% |
| EVE M BARREN4 | 1890 HAYNES STREET BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $28 | $0 | $28 | 0.15% |
| NATHAN C. TRAYLOR4 Filed as: NATHAN C TRAYLOR | 5362 SUNRISE VIEW CIRCLE LIBERETY TOWNSHIP, OH 45004 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $25 | $0 | $25 | 0.13% |
| JOSEPH A. VALENTIC4 Filed as: JOSEPH A VALENTIC | 37679 JEROME DRIVE STERLING HEIGHTS, MI 48312 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $20 | $0 | $20 | 0.11% |
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 | 1,596 | 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) | 1,596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,666 | $563K |
| Vision | VISION SERVICE PLAN | 960 | $205K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,596 | $830K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,596 | $830K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,596 | $830K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,596 | $943K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,666 | — |
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.