| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | SYMETRA LIFE INSURANCE COMPANY | $144K | $46K | $190K | 16.50% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | SYMETRA LIFE INSURANCE COMPANY | $59K | $10K | $68K | 26.06% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $119 | $13K | 8.08% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42102 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $16K | $6K | $22K | 13.57% |
| JODY DAN BRYANT3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PROTECTIVE LIFE | $31K | — | $31K | 39.52% |
| BRANDI DICKEN3 Filed as: BRANDI ANN DICKEN & OTHER AGENTS | 3753 POPLAR SPRING ROAD GLASGOW, KY 42141 | AFLAC | $2K | $0 | $2K | 3.26% |
| MURPHY M DEMUNBRUN JR3 Filed as: MURPHY M. DEMUNBRUN JUNIOR | 93 ARNOLD DRIVE GLASGOW, KY 42141 | AFLAC | $1K | $0 | $1K | 2.48% |
| WANDA JEAN ANDERSON3 | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $893 | $0 | $893 | 1.48% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $698 | $0 | $698 | 1.16% |
| DARRYL J YOUNG3 Filed as: DARRYL J. YOUNG | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $686 | $0 | $686 | 1.14% |
| DEBORAH BIGGERS3 Filed as: DEBORAH K. BIGGERS | 126 LONGHUNTERS TRAIL GLASGOW, KY 42141 | AFLAC | $494 | $0 | $494 | 0.82% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $382 | $0 | $382 | 0.63% |
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 | 1,085 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,204 | $163K |
| Life insurance(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,085 | $1.4M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,085 | $1.2M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,085 | $1.2M |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,314 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,204 | — |
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.