| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $21K | $2K | $23K | 3.27% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $3K | $0 | $3K | 8.24% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $2K | $317 | $3K | 7.51% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: REBEKAH SMLLWOOD ABD VARIOUS AGENTS | 51 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $1K | $38 | $1K | 3.11% |
| ROY DONOVAN GAY3 Filed as: ROY GAY | 2611 SIXTEENMILE CREEK ROAD HAZARD, KY 41701 | AFLAC | $620 | $18 | $638 | 1.83% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL AGENCY | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AFLAC | $476 | $0 | $476 | 1.37% |
| MARY CARMELA BERARDI3 Filed as: MARY BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $382 | $0 | $382 | 1.10% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $377 | $0 | $377 | 1.08% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $600 | $4K | 14.05% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 5.59% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 122 | $697K |
| Dental | DELTA DENTAL OF KENTUCKY | 138 | $29K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 122 | $697K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $30K |
| Short-term disability | AFLAC | 30 | $35K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 122 | $697K |
| Other(2 contracts, 2 carriers) | AFLAC | 206 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.