| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $6K | $0 | $6K | 8.86% |
| MARY CARMELA BERARDI3 | 1795 ALYSHEBA WAY, SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $4K | $548 | $5K | 7.02% |
| MJ INSURANCE3 Filed as: HEATHER MAMMEN AND VARIOUS AGENTS | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | AFLAC | $4K | $1K | $5K | 6.97% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $2K | $24 | $2K | 2.68% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | AFLAC | $1K | $350 | $2K | 2.19% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $748 | $293 | $1K | 1.50% |
| AMY JOHANNEMANN3 | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $720 | $0 | $720 | 1.04% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 12.30% |
| MJ INSURANCE3 Filed as: HEATHER MAMMEN AND VARIOUS AGENTS | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.75% |
| MARY CARMELA BERARDI3 Filed as: MARY C. BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.52% |
| LINDSEY HOSKINS3 | 912 HAMMOCK OAK LANE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $951 | $0 | $951 | 2.01% |
| LAURA BETH KELLER3 Filed as: LAURA B. KELLER | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $814 | $0 | $814 | 1.72% |
| TYLER A DECKER3 Filed as: TYLER A. DECKER | 4325 COBBLEST ONE KNOLL DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $782 | $0 | $782 | 1.65% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 223 | $70K |
| Short-term disability | AFLAC | 223 | $70K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 298 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.