| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $48K | $4K | $52K | 3.24% |
| MARY CARMELA BERARDI3 Filed as: MARY C. BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $5K | $176 | $5K | 4.68% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $3K | $0 | $3K | 3.35% |
| MJ INSURANCE3 Filed as: HEATHER MAMMEN AND VARIOUS AGENTS | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $2K | $287 | $3K | 2.66% |
| LAURA BETH KELLER3 Filed as: LAURA B. KELLER | 141 PROSPEROUS PLACE, SUITE 26 LEXINGTON, KY 40509 | AFLAC | $2K | $104 | $2K | 1.73% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $1K | $0 | $1K | 1.34% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $891 | $231 | $1K | 1.10% |
| LINDSEY HOSKINS3 | 801 EAST BRANNON ROAD, UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $832 | $106 | $938 | 0.92% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT | $14K | $5K | $19K | 19.85% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $8K | $0 | $8K | 10.05% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.35% |
| MARY CARMELA BERARDI3 Filed as: MARY C. BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.06% |
| LAURA BETH KELLER3 Filed as: LAURA B. KELLER | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $494 | $0 | $494 | 1.07% |
| MJ INSURANCE3 Filed as: LAWRENCE FUGATE AND VARIOUS AGENTS | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $473 | $0 | $473 | 1.03% |
| AMY JOHANNEMANN3 Filed as: AMY S. JOHANNEMANN | 117708 EAST STATE ROAD 56 FRENCH LICK, IN 47432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $276 | $0 | $276 | 0.60% |
| TYLER A DECKER3 Filed as: TYLER A. DECKER | 4325 COBBLESTONE KNOLL DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | $0 | $115 | 0.25% |
| CAREN OSTROWSKI3 | 100 CLAY AVENUE GEORGETOWN, KY 40324 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | $0 | $114 | 0.25% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE DENTAL CONCERN, INC. | $2K | $264 | $2K | 9.93% |
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 | 383 | 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) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 170 | $1.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 314 | $83K |
| Vision | THE DENTAL CONCERN, INC. | 165 | $20K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 383 | $196K |
| Short-term disability | AFLAC | 160 | $102K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 383 | $94K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 170 | $1.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 383 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.