| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | 15.02% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 3.18% |
| HOUCHENS INSURANCE GROUP INC3 | 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 | AFLAC | $4K | — | $4K | 7.65% |
| MARSHA S TALLEY3 | 4295 WEST PEBBLE DRIVE SUITE 4 JASPER, IN 47546 | AFLAC | $2K | $308 | $2K | 3.71% |
| ROBIN FROMME3 | 1001 EISENHOWER AVENUE JASPER, IN 47546 | AFLAC | $1K | $29 | $1K | 2.65% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $1K | $29 | $1K | 2.35% |
| KYLE ELLISON3 Filed as: KYLE R ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $375 | $7 | $382 | 0.75% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $281 | $7 | $288 | 0.56% |
| JESSICA BARNES3 | 125 VINELAND PARKWAY DRIVE VINE GROVE, KY 40175 | AFLAC | $287 | — | $287 | 0.56% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $284 | — | $284 | 0.55% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $206 | — | $206 | 0.40% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $161 | $3 | $164 | 0.32% |
| THOMPSON BENEFITS & ENROLLMENT3 | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $157 | — | $157 | 0.31% |
| MACKENZIE REIGH SADOWSKI3 | 1403 MONROE AVENUE EVANSVILLE, IN 47714 | AFLAC | $15 | — | $15 | 0.03% |
| ADAM C MCBRIDE3 | 2084 SPRING LAKES CIRCLE BOWLING GREEN, KY 42104 | AFLAC | $12 | — | $12 | 0.02% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $5 | — | $5 | 0.01% |
| BROOKE BOSLEY3 | 3923 BRENTWOOD DRIVE OWENSBORO, KY 42301 | AFLAC | $2 | — | $2 | 0.00% |
| JOY RENEE WEST3 | 404 WEST 8TH STREET OWENSBORO, KY 42301 | AFLAC | $1 | — | $1 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KY, INC. | $3K | $598 | $4K | 10.87% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $902 | $4K | 18.81% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $251 | $251 | 1.06% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $2K | — | $2K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $2K | — | $2K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $1K | — | $1K | 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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | PARAMOUNT DENTAL | 105 | $108K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 189 | $33K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 304 | $75K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $105K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $105K |
| Stop-loss / reinsurancereinsurance | ARAN INSURANCE | 225 | $410K |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 304 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
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.