| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $20K | $20K | 0.38% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66K | $802 | $67K | 20.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON FINANCIAL ADVISORS LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 9.49% |
| BRIAN ROBERTS3 | 16150 MAIN CIRCLE DRIVE, SUITE 400 CHESTERFIELD, MO 63017 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $10K | $14K | 6.43% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.87% |
| 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 | $2K | $0 | $2K | 0.90% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY MCROBERTS | 900 EAST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $991 | $0 | $991 | 0.45% |
| MARK HENRY RODDEN3 Filed as: MARK RODDEN | 10975 BENSON DRIVE, SUITE 350 OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $390 | $0 | $390 | 0.18% |
| MJ INSURANCE3 Filed as: CORBIN LAMBERT AND VARIOUS AGENTS | 17117 BURT STREET, SUITE 302 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $122 | $0 | $122 | 0.06% |
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 | 3,308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 219 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,658 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,658 | $5.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,308 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,308 | $1.7M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,658 | $5.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,308 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,658 | — |
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.