| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | — | $42K | 16.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 0.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 6.56% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 22.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $810 | — | $810 | 6.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY,INC EIN 61-1237516 CONTRACT ADMINISTRATOR | Other fees; Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $217K |
| HOUCHENS INSURANCE GROUP, INC. | Investment management fees paid indirectly by plan; Non-monetary compensation; Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $56K |
| WAYNE CORPORATION EIN 61-1129889 EAP CONTRACTOR | Contract Administrator; Other fees; Other services Service code 13 | — | $5K |
| HOUCHENS INSURANCE GROUP,INC. BROKER | Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | $0 |
| INGENIO RX, INC. EIN 82-3062245 PHARMACY | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | -$14K |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 241 | $92K |
| Vision | VISION SERVICE PLAN | 93 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $252K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $252K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.