| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | — | $33K | 35.05% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 7.41% |
| CHAD THOMPSON3 | 2961 TRAILS WAY OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.74% |
| MO BURGESS3 | 2518 TIMBERS DRIVE HENDERSON, KY 42420 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.94% |
| MARSHA S TALLEY3 | 5401 NORTH VOGEL ROAD SUITE 410 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.94% |
| KATHERINE J HARTZ3 | 7388 TELEPHONE ROAD NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.02% |
| ADAM C MCBRIDE3 | 319 WEST 2ND STREET OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $906 | — | $906 | 0.98% |
| JENNIFER KELLER3 | 422 FREDENCA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $593 | — | $593 | 0.64% |
| MARSHA S TALLEY3 | 5401 NORTH VOGEL ROAD SUITE 410 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 0.29% |
| BRANDEE L JUSTUS3 | 101 PLAZA EAST BOULEVARD SUITE 317 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 0.29% |
| GARRETT J KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HEATHER TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GARY L MCCLURE3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES, INC. | $7K | — | $7K | 9.90% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 5.52% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $332 | $2K | 7.29% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.89% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HEALTH RESOURCES, INC. | 167 | $116K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 210 | $34K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 247 | $114K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 206 | $93K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 247 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.