| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HEALTHKEEPERS, INC | $61K | $4K | $65K | 4.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | HEALTHKEEPERS, INC | -$168 | $0 | -$168 | -0.01% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF VIRGINIA | $18K | $1K | $19K | 4.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM HEALTH PLANS OF VIRGINIA | -$48 | $0 | -$48 | -0.01% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | STANDARD INSURANCE COMPANY | $17K | $11K | $28K | 17.01% |
| LAMONT D JACKSON3 Filed as: LAMONT JACKSON | 4720 CHUTNEY DRIVE ANTIOCH, TN 37013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41K | $0 | $41K | 28.47% |
| JORDAN S SMITH3 Filed as: JORDAN SMITH | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 4.65% |
| KAYLA BEAMON3 | 3203 CLEMONS CIRCLE MURFREESBORO, TN 37128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.44% |
| CHERYL TAYLOR3 | 110 ENCHANTED TRAIL WHITE BLUFF, TN 37187 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.25% |
| CHRISTOPHER CLUNAN3 | 2779 JUTES DRIVE THOMPSONS STATION, TN 37179 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | $0 | $250 | 0.17% |
| MELISSA MARIE HURLEY3 Filed as: MELISSA HURLEY | 6B FERN AVENUE NASHVILLE, TN 37207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $227 | $0 | $227 | 0.16% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $18K | $0 | $18K | 12.64% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 4.09% |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA | 441 | $483K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA | 441 | $415K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 441 | $415K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 711 | $311K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 711 | $311K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 711 | $311K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA | 441 | $483K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 711 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.