| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $20K | $20K | 0.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON FINANCIAL ADVISORS | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.85% |
| BRIAN ROBERTS3 Filed as: BRIAN M. ROBERTS | 16150 MAIN CIRCLE DRIVE, SUITE 400 CHESTERFIELD, MO 63017 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $47 | $9K | $9K | 5.02% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.46% |
| MARK HENRY RODDEN3 | 10975 BENSON DRIVE, SUITE 350 OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.06% |
| GREGORY A MCROBERTS3 Filed as: GREGORY A. MCROBERTS | 900 EAST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.75% |
| MJ INSURANCE3 Filed as: CORBIN LAMBERT AND VARIOUS AGENTS | 17117 BURT STREET, SUITE 302 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $118 | $0 | $118 | 0.07% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $144 | $26K | 21.31% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $704 | $247 | $951 | 0.79% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $645 | $131 | $776 | 0.65% |
| MJ INSURANCE3 Filed as: VIOLET P. COOTS AND VARIOUS AGENTS | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $635 | $27 | $662 | 0.55% |
| JANICE D RUCKS3 Filed as: JANICE D. RUCKS | 1204 CHAMBERLIN, APARTMENT 4 MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $309 | $0 | $309 | 0.26% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $274 | $0 | $274 | 0.23% |
| VIRGINIA A HAFFENER3 Filed as: VIRGINIA A. HAFFENER | 2205 WEST 8TH STREET COFFEYVILLE, KS 67337 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 0.14% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $79 | $20K | 21.06% |
| MJ INSURANCE3 Filed as: JS YOUNG AND VARIOUS AGENTS | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $572 | $14 | $586 | 0.63% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $399 | $134 | $533 | 0.57% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $459 | $71 | $530 | 0.57% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $0 | $239 | 0.26% |
| BRIDGET ZUNIGA3 | 14608 WEST 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $146 | $0 | $146 | 0.16% |
| TERRY ALLEN SMITH3 | 4415 WEST MAGELLAN DRIVE NEW RIVER, AZ 85087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 0.10% |
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 | 2,487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 629 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,734 | $4.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,734 | $4.5M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,717 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,717 | $1.5M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,734 | $4.5M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,717 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,734 | — |
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."
No prospect flags tripped on this filing.