| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAWAII MAINLAND ADMINISTRATORS3 Filed as: HAWAII MAINLAND ADMINISTRATORS, LLC | — | AMERICAN FIDELITY | — | $156K | $156K | 38.73% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP | — | AMERICAN FIDELITY | — | $53K | $53K | 13.07% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | — | $14K | 15.02% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 3.38% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $6K | — | $6K | 9.52% |
| MARSHA S TALLEY3 | 101 PLAZA EAST BOULEVARD SUITE 317 EVANSVILLE, IA 47715 | AFLAC | $3K | $357 | $4K | 6.29% |
| CHAAD M THOMPSON3 | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $3K | $487 | $3K | 5.54% |
| ROBIN FROMME3 | 1001 EISENHOWER AVENUE JASPER, IN 47546 | AFLAC | $1K | $233 | $2K | 2.55% |
| MARSHA S TALLEY3 | 101 NORTH PLAZA EAST BOULEVARD EVANSVILLE, IN 47715 | AFLAC | $1K | — | $1K | 2.47% |
| SOLUTIONS FIRST3 Filed as: SOLUTIONS FIRST LLC | PO BOX 231 CENTRAL CITY, KY 42330 | AFLAC | $998 | — | $998 | 1.69% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $833 | — | $833 | 1.41% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $581 | $177 | $758 | 1.28% |
| JACOB SCHNEIDER3 | 140 BURNT MILL ROAD DIXON, KY 42409 | AFLAC | $304 | $368 | $672 | 1.14% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $303 | $120 | $423 | 0.72% |
| JOY RENEE WEST3 | 404 WEST 8TH STREET OWENSBORO, KY 42301 | AFLAC | $404 | — | $404 | 0.68% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $263 | $125 | $388 | 0.66% |
| NATALIE ANN ANSLOAN3 | 1603 CANBRO DRIVE VINCENNES, IN 47591 | AFLAC | $127 | $98 | $225 | 0.38% |
| ADAM C MCBRIDE3 | 2084 SPRING LAKES CIRCLE BOWLING GREEN, KY 42104 | AFLAC | $101 | $104 | $205 | 0.35% |
| MACKENZIE REIGH SADOWSKI3 | 1403 MONROE AVENUE EVANSVILLE, IN 47714 | AFLAC | $39 | $23 | $62 | 0.10% |
| BROOKE BOOKER3 | 6691 THOREAU VILLAGE UTICA, KY 42376 | AFLAC | $47 | — | $47 | 0.08% |
| GARY L MCCLURE3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $3K | — | $3K | 5.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 5.56% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 9.62% |
| 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 | 20.96% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST HILLS LAKE, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $247 | $247 | 1.24% |
| GARY L MCCLURE3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $2K | — | $2K | 10.00% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 124 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | PARAMOUNT DENTAL | 99 | $110K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 189 | $29K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 236 | $79K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 103 | $92K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 103 | $92K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY | 234 | $404K |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 236 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.