| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 3.23% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP NC | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $324 | $3K | 4.46% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $274 | $1K | 2.37% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $52 | $1K | 2.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $939 | $0 | $939 | 1.63% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $767 | $141 | $908 | 1.58% |
| WILLIAM JACK MITCHELL JR3 | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $699 | $104 | $803 | 1.39% |
| RTR AL CORP3 Filed as: RTR AI CORP AND MISC AGENTS | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $284 | $35 | $319 | 0.55% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $989 | $0 | $989 | 5.93% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | VISION SERVICE PLAN | $1 | $0 | $1 | 0.01% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP NC | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNITEDHEALTHCARE INSURANCE COMPANY | $903 | $0 | $903 | 10.00% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 346 | $112K |
| Vision | VISION SERVICE PLAN | 121 | $17K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 117 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.