| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | MERITAIN HEALTH | — | $33K | $33K | 36.19% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 6.79% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $851 | $5K | 18.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $669 | — | $669 | 9.55% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 96 | $413K |
| Dental | DELTA DENTAL OF KENTUCKY | 125 | $32K |
| Vision | DELTA DENTAL OF KENTUCKY | 97 | $7K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 120 | $28K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 120 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.