| 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 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $8 | $27K | 12.29% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $494 | $19K | 8.41% |
| FRANKIE GLEE WILLIAMS3 Filed as: FRANKIE WILLIAMS AND VAR AGENTS | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $947 | $8K | 3.49% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $762 | $3K | 1.40% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN SUITE 4 MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $103 | $1K | 0.60% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $163 | $1K | 0.60% |
| BARBARA WILLIAMS3 | 8290 MISTY CREEK DRIVE GERMANTOWN, TN 38138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $19 | $1K | 0.53% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | $5K | $16K | 8.96% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLILS, MN 55402 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.82% |
| GREGORY A MCROBERTS3 | 900 EAST 96TH STREET SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $7K | $8K | 4.65% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY MCROBERTS | 2365 HARRONDSBURG ROAD LEXINGTON, KY 40504 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.28% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERV INC | 700 WEST 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.22% |
| CORBIN L. LAMBERT3 Filed as: CORBIN L LAMBERT | 17117 BURT STREET SUITE 302 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $315 | $0 | $315 | 0.17% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS LLC | 11225 COLLEGE BLVD OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $84 | $0 | $84 | 0.05% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $7 | $15K | 12.85% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $274 | $10K | 8.30% |
| TERRY ALLEN SMITH3 Filed as: TERRY SMITH AND VAR AGENTS | 14070 S DARNELL CT OLATHE, KS 66062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $616 | $4K | 3.77% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $408 | $2K | 1.42% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRILVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $562 | $81 | $643 | 0.56% |
| BRIDGET ZUNIGA3 | 14608 WEST 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $469 | $58 | $527 | 0.46% |
| KELLY HORN3 | 3009 N 152ND STREET OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $497 | $18 | $515 | 0.45% |
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 | 2,663 | 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) | 2,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INS CO AND AFFILIATES | 4,698 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INS CO AND AFFILIATES | 4,698 | $3.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,663 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,663 | $1.3M |
| Prescription drug | CIGNA HEALTH AND LIFE INS CO AND AFFILIATES | 4,698 | $3.4M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,663 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,698 | — |
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.