| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $118 | $12K | 15.15% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $14K | — | $14K | 18.62% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $4K | $48 | $4K | 5.59% |
| JESSICA BARNES3 | 12230 SOUTH DIXIE HIGHWAY SONORA, KY 42776 | AFLAC | $3K | $171 | $3K | 4.78% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $3K | $48 | $3K | 3.71% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | AFLAC | $1K | — | $1K | 1.54% |
| JACOB TANNER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $857 | — | $857 | 1.18% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $753 | — | $753 | 1.03% |
| KAYLA MORRIS3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $677 | — | $677 | 0.93% |
| MARSHA S TALLEY3 | 4295 WEST PEBBLE DRIVE JASPER, IN 47546 | AFLAC | $483 | $31 | $514 | 0.70% |
| THOMPSON BENEFITS & ENROLLMENT3 | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $511 | — | $511 | 0.70% |
| JUSTIN K BUSH3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $407 | — | $407 | 0.56% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $329 | $53 | $382 | 0.52% |
| ROBIN FROMME3 | 1001 EISENHOWER AVENUE JASPER, IN 47546 | AFLAC | $199 | $64 | $263 | 0.36% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $136 | — | $136 | 0.19% |
| HEATHER TRAVIS3 Filed as: HEATHER S PECK | 53 RED BARN WAY CAVE CITY, KY 42127 | AFLAC | $94 | — | $94 | 0.13% |
| KYLE ELLISON3 Filed as: KYLE R ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $47 | $19 | $66 | 0.09% |
| MASON POGUE3 | 4230 BUCKLAND SQUARE OWENSBORO, KY 42301 | AFLAC | $39 | — | $39 | 0.05% |
| MACKENZIE REIGH SADOWSKI3 | 1403 MONROE AVENUE EVANSVILLE, IN 47714 | AFLAC | $16 | — | $16 | 0.02% |
| ADAM C MCBRIDE3 | 2084 SPRING LAKES CIRCLE BOWLING GREEN, KY 42104 | AFLAC | $8 | — | $8 | 0.01% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $7 | — | $7 | 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 | PARAMOUNT DENTAL | $3K | — | $3K | 5.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $118 | $6K | 15.33% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KY, INC. | $3K | $1K | $4K | 13.04% |
| 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 | $4K | $1K | $5K | 20.95% |
| 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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | PARAMOUNT DENTAL | 128 | $120K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 239 | $34K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 340 | $97K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $80K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $36K |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICA INSURANCE COMPANY | 264 | $424K |
| Other(3 contracts, 3 carriers) | AFLAC | 340 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.