| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MICHAEL WILLIAMS AND VARIOUS AGENTS | 140 NORTH MAIN STREET HENDERSON, NV 42420 | AFLAC | $5K | $284 | $5K | 7.55% |
| CHRIS KELLER3 | 5442 MEADOW GROVE DRIVE OWENSBURG, KY 42301 | AFLAC | $4K | $128 | $4K | 5.99% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $122 | $3K | 3.75% |
| CHAD THOMPSON3 Filed as: CHAD HARL | 5550 MULBERRY PLACE OWENSBORO, KY 42301 | AFLAC | $2K | $187 | $2K | 2.71% |
| JENNIFER KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1K | $76 | $1K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 1440 SE BISHOP DRIVE, APARTMENT 121 WAUKEE, IA 50263 | AFLAC | $965 | $0 | $965 | 1.40% |
| JENNIFER JEAN HANSEN3 Filed as: JENNIFER HANSEN | 2912 FOREST DRIVE BRYANT, AR 72022 | AFLAC | $846 | $0 | $846 | 1.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC. | 200 COLONIAL CENTER PARKWAY SUITE 140 LAKE MARY, FL 32746 | HEALTH RESOURCES, INC | $1K | $0 | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $697 | $4K | 16.91% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $277 | $0 | $277 | 1.26% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NL INSURANCE KY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $729 | $0 | $729 | 9.13% |
| PLAN CHOICE3 | 2300 MEADOW DRIVE, SUITE 203 LOUISVILLE, KY 42018 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $219 | $0 | $219 | 2.74% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.86% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 118 | $69K |
| Dental | HEALTH RESOURCES, INC | 113 | $25K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 66 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $22K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.