| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE LLC | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | ANTHEM HEALTH PLANS OF KY, INC. | $42K | $0 | $42K | 2.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF KY, INC. | $0 | $2K | $2K | 0.15% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $0 | $16K | 9.63% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 2.62% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 2.18% |
| INSPIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $528 | $3K | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1120 MAIN STREET BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.32% |
| KRISTIN BENNETT3 | 1462 HAMILTON CT BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.08% |
| BRENDA H BRIDGES3 | 223 SHADY LN WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.65% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW RD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $25 | $1K | 0.61% |
| DEBORAH S GOLDEN3 | 1505 AQUARIUS WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $954 | $0 | $954 | 0.56% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $842 | $0 | $842 | 0.50% |
| DOROTHY CONNALLY CAMPBELL3 | 695 HARPETH TRACE NASHVILLE, TN 37221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $796 | $0 | $796 | 0.47% |
| BRANDI TAFT3 | 6413 PREMIER DR NASHVILLE, TN 37209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $607 | $0 | $607 | 0.36% |
| VIOLET P COOTS3 | 1410 WHALEN RD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $598 | $0 | $598 | 0.35% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BND OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | $0 | $404 | 0.24% |
| JM TAMER & CO3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 0.07% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.07% |
| JEFFREY WANN3 | 513 E EAGLE PASS RD ELIZABETHTOWN, KY 42701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.02% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| KENTUCKY HOSPITAL SVS CORP3 | PO BOX 436629 LOUISVILLE, KY 40253 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| KELLE DAGGETT PERRY3 | 797 OLD CC RD PIKEVILLE, TN 37367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC | 4021 SAINT GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| WILLIAM D PROFITT3 | 207 ROUNDSTONE CT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| JODY DAN BRYANT3 | 1429 MOUNT AYR CIR BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| HIGGINS INSURANCE INC3 | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $4K | $17K | 19.38% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $482 | $482 | 0.55% |
| HIGGINS INSURANCE INC3 | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 3.99% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 167 | $1.7M |
| Dental | DELTA DENTAL OF KENTUCKY | 311 | $84K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 167 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 195 | $258K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 195 | $88K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 195 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.