| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOY RENEE WEST3 | 404 WEST 8TH STREET OWENSBORO, KY 42301 | AFLAC | $5K | $113 | $5K | 6.27% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $5K | $44 | $5K | 6.07% |
| MJ INSURANCE3 Filed as: BROOKE BOOKER AND VARIOUS AGENTS | 6691 THOREAU VILLAGE UTICA, KY 42376 | AFLAC | $4K | $39 | $4K | 5.03% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $18 | $2K | 2.89% |
| JENNIFER JEAN HANSEN3 | 2912 FOREST DRIVE BRYANT, AZ 72022 | AFLAC | $1K | $187 | $2K | 1.94% |
| MARY-JOYCE LICATA3 Filed as: MARY BISHOP | 5100 SE 30TH STREET DES MOINES, IA 50320 | AFLAC | $962 | $0 | $962 | 1.24% |
| BRNDON YOUNG3 | 501 ERIC AVENUE, APARTMENT J72 BOWLING GREEN, KY 42101 | AFLAC | $842 | $0 | $842 | 1.08% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $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 | 21.09% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $311 | $311 | 1.27% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 123 | $78K |
| Dental | PARAMOUNT DENTAL | 152 | $33K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 96 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $25K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.