| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $30K | $6K | $36K | 21.51% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES INC. | $9K | — | $9K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 20.06% |
| CRTX2 LLC3 Filed as: CRTX2, LLC | 826 ANN MARIE CIRCLE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 10.68% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DRIVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $561 | $132 | $693 | 1.97% |
| LEIGH L ARMSTRONG3 Filed as: LEIGH L. ARMSTRONG | 2500 CROSSINGS BOULEVARD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $389 | $171 | $560 | 1.59% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1505 AQUARIUS WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $6 | $351 | 1.00% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $2 | $318 | 0.91% |
| KRISTIN BENNETT3 | 1462 HAMILTON COURT BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $0 | $172 | 0.49% |
| HOUCHENS INSURANCE GROUP INC5 Filed as: HOUCHENS INSURANCE GROUP, INC. | 211 GRANDVIEW DRIVE, SUITE 204 FT. MITCHELL, KY 41017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.03% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC. | 318 | $86K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 299 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $167K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $167K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $167K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.