| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $3K | $35 | $3K | 4.68% |
| ANNACLAIRE JOHNS3 | 109 NORTH MAIN STREET, SUITE 3 HENDERSON, KY 42420 | AFLAC | $3K | $19 | $3K | 4.40% |
| R SCOTT SCHULTZ3 Filed as: R SCOTT SCHULTZ & OTHERS | 48 ROCKY GAP ROAD MAYFLOWER, AR 72106 | AFLAC | $2K | $0 | $2K | 3.68% |
| JENNIFER JEAN HANSEN3 | 2912 FOREST DRIVE BRYANT, AR 72022 | AFLAC | $1K | $0 | $1K | 1.87% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1K | $15 | $1K | 1.86% |
| MAGGIE KAY STEWART3 | 2524 NORTH BROADWAY EDMOND, OK 73034 | AFLAC | $957 | $0 | $957 | 1.48% |
| MATTHEW A. HUDNALL3 | 7267 SWANN LANE ROBARDS, KY 42452 | AFLAC | $253 | $0 | $253 | 0.39% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES INC. | $2K | — | $2K | 5.00% |
| 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 | $3K | $917 | $4K | 13.75% |
| 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 | $1K | $408 | $2K | 6.27% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 211 GRANDVIEW DRIVE, SUITE 204 FT. MITCHELL, KY 41017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD, SUITE 405 SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $1K | $495 | $2K | 14.49% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 91 | $65K |
| Dental | HEALTH RESOURCES INC. | 150 | $33K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 99 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $26K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.