| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $34K | $2K | $36K | 20.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACCE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | -$93 | $0 | -$93 | -0.05% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD, SUITE 4 BOWLING GREEN, KY 42104 | STANDARD INSURANCE COMPANY (FORMERLY ANTHEM LIFE INSURANCE COMPANY) | $35K | $11K | $47K | 42.79% |
| LAMONT D JACKSON3 | 307 SOUTHGATE COURT SUITE 110 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $41K | $0 | $41K | 68.26% |
| JORDAN S SMITH3 Filed as: JORDAN SHIELDS SMITH | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $7K | $0 | $7K | 11.15% |
| KAYLA BEAMON3 Filed as: KAYLA BRESHAWN BEAMON | 3203 CLEMONS CIRCLE MURFREESBORO, TN 37128 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $5K | $0 | $5K | 8.24% |
| CHERYL TAYLOR3 Filed as: CHERYL ELAINE TAYLOR | 110 ENCHANTED TRAIL WHITE BLUFF, TN 37187 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 3.00% |
| CHRISTOPHER CLUNAN3 Filed as: CHRISTOPHER MARTIN CLUNAN | 2779 JUTES DRIVE THOMPSONS STATION, TN 37179 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $250 | $0 | $250 | 0.41% |
| MELISSA MARIE HURLEY3 | 6B FERN AVENUE NASHVILLE, TN 37207 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $227 | $0 | $227 | 0.37% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 4.81% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | LEGAL RESOURCES LLC | $585 | $0 | $585 | 4.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GOVERNMENT SERVICE ADMINISTRATORS EIN 11-3335620 PLAN ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | 888 VETERANS MEMORIAL HWY STE 540 HAUPPAUGE, NY 11788 | $72K |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 323 | $233K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 323 | $175K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 323 | $175K |
| Life insurance | STANDARD INSURANCE COMPANY (FORMERLY ANTHEM LIFE INSURANCE COMPANY) | 132 | $109K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY (FORMERLY ANTHEM LIFE INSURANCE COMPANY) | 132 | $169K |
| Other | LEGAL RESOURCES LLC | 50 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.