| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $1K | $26K | 19.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $798 | $798 | 0.59% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 3.37% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $222 | $2K | 5.48% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $627 | $90 | $717 | 2.43% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $428 | $0 | $428 | 1.45% |
| LISA GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $392 | $12 | $404 | 1.37% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.25% |
| SYDNEY CORREA3 Filed as: SYDNEY CORREA AND OTHER AGENTS | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $4 | $59 | 0.20% |
| VANCE NEAL MICHAEL3 | 2525 SPRING VALLEY LOOP LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.19% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.94% |
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 |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 446 | $107K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 386 | $28K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $134K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $134K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $134K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.