| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: JENNIFER HANSEN AND VARIOUS AGENTS | 2912 FOREST DRIVE BRYANT, AR 72022 | AFLAC | $4K | $167 | $4K | 7.26% |
| CHRIS KELLER3 | 5442 MEADOW GROVE DRIVE OWENSBORO, KY 42301 | AFLAC | $4K | $192 | $4K | 7.13% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH GARRETT KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $3K | $79 | $3K | 4.46% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1K | $57 | $1K | 2.07% |
| MARCY A SCOTT3 Filed as: MARCY SCOTT | 13805 EAST DEER CREEK ROAD NEWALLA, OK 74857 | AFLAC | $889 | $0 | $889 | 1.44% |
| KAYLA MORRIS3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $778 | $0 | $778 | 1.26% |
| JOY RENEE WEST3 Filed as: JOY WEST | 404 WEST 8TH STREET OWENSBORO, KY 42301 | AFLAC | $708 | $36 | $744 | 1.20% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES, INC | $1K | $0 | $1K | 5.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $990 | $5K | 19.12% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $883 | $0 | $883 | 9.98% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 124 | $62K |
| Dental | HEALTH RESOURCES, INC | 130 | $27K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 74 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $24K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
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.