| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $36K | $562 | $36K | 2.53% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $14K | $0 | $14K | 10.58% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 14.93% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT COMPANY | $1K | $265 | $1K | 8.71% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT COMPANY | $1K | $0 | $1K | 7.23% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT COMPANY | $405 | $124 | $529 | 3.26% |
| BOBBIE J WHITTAKER3 Filed as: BOBBIE J. WHITTAKER | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT COMPANY | $84 | $4 | $88 | 0.54% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | COLONIAL LIFE AND ACCIDENT COMPANY | $7 | $0 | $7 | 0.04% |
| MICHAEL J BOONE3 Filed as: MICHAEL J. BOONE | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT COMPANY | $3 | $0 | $3 | 0.02% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT COMPANY | $1 | $0 | $1 | 0.01% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 345 | $1.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 396 | $131K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 345 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $114K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $114K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $114K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 345 | $1.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.