| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | SYMETRA LIFE INSURANCE COMPANY | $156K | $30K | $186K | 17.78% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.78% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $50 | $29K | 8.39% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $15K | $0 | $15K | 9.98% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO-LESSENBERRY INS. AGENCY INC | PO BOX 1899 GLASGOW, KY 42142 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $0 | $2K | 1.32% |
| MJ INSURANCE3 Filed as: R. AARON WRIGHT AND VARIOUS AGENTS | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $2K | $0 | $2K | 3.19% |
| MURPHY M DEMUNBRUN JR3 Filed as: MURPHY M. DEMUNBRUN JR. | 93 ARNOLD DRIVE GLASGOW, KY 42141 | AFLAC | $2K | $0 | $2K | 2.54% |
| WANDA JEAN ANDERSON3 | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $973 | $0 | $973 | 1.46% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $787 | $0 | $787 | 1.18% |
| DARRYL J YOUNG3 Filed as: DARRYL J. YOUNG | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $740 | $0 | $740 | 1.11% |
| DEBORAH BIGGERS3 Filed as: DEBORAH K. BIGGERS | 126 LONGHUNTERS TRAIL GLASGOW, KY 42141 | AFLAC | $540 | $0 | $540 | 0.81% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO-LESSENBERRY INS. AGENCY INC | PO BOX 1899 GLASGOW, KY 42142 | AFLAC | $506 | $0 | $506 | 0.76% |
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 | 999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,058 | $150K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,409 | $1.4M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,409 | $1.0M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,409 | $1.0M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,409 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,058 | — |
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.
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.