| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MARCY A. SCOTT AND VARIOUS AGENTS | 13805 EAST DEER CREEK ROAD NEWALLA, OK 74857 | AFLAC | $4K | $166 | $4K | 6.19% |
| JOY RENEE WEST3 Filed as: JOY WEST | 404 WEST 8TH STREET OWENSBORO, KY 42301 | AFLAC | $3K | $300 | $3K | 4.26% |
| JENNIFER JEAN HANSEN3 | 2912 FOREST DRIVE BRYANT, AR 72022 | AFLAC | $2K | $46 | $3K | 3.82% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $147 | $2K | 3.66% |
| JENNIFER KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1K | $76 | $1K | 1.66% |
| CHRIS KELLER3 | 5442 MEADOW GROVE DRIVE OWENSBORO, KY 42301 | AFLAC | $798 | $128 | $926 | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 1440 SE BISHOP DRIVE, APARTMENT 121 WAUKEE, IA 50263 | AFLAC | $761 | $30 | $791 | 1.20% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES, INC | $2K | $0 | $2K | 5.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.79% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $300 | $300 | 1.21% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FARIWAY STREET BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.02% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 106 | $66K |
| Dental | HEALTH RESOURCES, INC | 132 | $31K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 86 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $25K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.