| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $59K | $10K | $69K | 3.85% |
| LISA MATTINGLY3 | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC. | $12K | — | $12K | 0.66% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $10K | — | $10K | 8.33% |
| KENBANC INSURANCE INC3 | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 0.82% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 17.16% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY,STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $760 | $760 | 1.71% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.28% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY,STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $607 | $607 | 1.74% |
| KENBANC INSURANCE INC3 | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $945 | $6K | 18.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSUANCE SERVICES INC | 1250 S CAPITAL OF TEXAS HWY,STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $460 | $460 | 1.70% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | THE DENTAL CONCERN, INC. | $2K | $839 | $3K | 12.10% |
| LISA MATTINGLY3 | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | THE DENTAL CONCERN, INC. | $362 | — | $362 | 1.67% |
| KENBANC INSURANCE INC3 | 600 WEST MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $519 | $3K | 18.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $822 | $3K | 21.21% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY,STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $228 | $228 | 1.72% |
| KENBANC INSURANCE INC3 | 600 WEST MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $370 | $2K | 18.00% |
| VICKIE E LEWIS3 Filed as: VICKIE LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 2.88% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 2.84% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $2 | $169 | 1.71% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $12 | $81 | 0.82% |
| TED BENNETT3 | 1087 ARISTIDES DRIVE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.08% |
| MICHAEL J BOONE3 Filed as: MICHAEL BOONE | 2607 EVERGREEN WYNDE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| BOBBIE J WHITTAKER3 Filed as: BOBBIE WHITTAKER | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| KENBANC INSURANCE INC3 | 600 WEST MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $311 | — | $311 | 18.03% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 202 | $1.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 380 | $126K |
| Vision | THE DENTAL CONCERN, INC. | 199 | $22K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $45K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $62K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $39K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.