| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY L MCCLURE3 Filed as: GARY L MCCLURE/VMI ACQUISITION INC | 1240 FAIRWAY ST. BOWLING GREEN, KY 42102 | DENTAL HEALTH OPTIONS BY HEALTH RESOURCES, INC. | $11K | — | $11K | 10.00% |
| VAN METER INSURANCE AGENCY INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $435 | $10K | 20.96% |
| VMI ACQUISITION INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $104 | $2K | 5.05% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $326 | $2K | 4.12% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $540 | $31 | $571 | 1.28% |
| FRANKIE GLEE WILLIAMS3 | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | $32 | $343 | 0.77% |
| VIOLET P COOTS3 | 1870 PLANO RICHPOND RD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $23 | $303 | 0.68% |
| SUSAN MAE DANIEL3 | 363 PLEASANT PLACE WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $0 | $168 | 0.38% |
| BILLY W JOHNSON3 | 2161 STEVENSON RD FRANKLIN, KY 42134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $9 | $87 | 0.20% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $1 | $76 | 0.17% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.13% |
| RICHARD RAMEY3 Filed as: RICHARD THARRINGTON | 1053 BULLARD COURT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| BARRICK & MARTIN INC3 | DBA CENTER OF INSURANCE BOWLING GREEN, KY 42102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| LISA R GRAVES3 Filed as: LISA M EVANS | 433 VETERANS AVE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| VAN METER INSURANCE AGENCY INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | LINCOLN NATIONAL LIFE INSURANCE COMPNAY | $7K | $337 | $8K | 20.93% |
| VAN METER INSURANCE AGENCY INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $321 | $7K | 20.93% |
| VAN METER INSURANCE AGENCY INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $253 | $6K | 20.83% |
| VMI ACQUISITION INC3 Filed as: VMI ACQUISITION, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | EYEMED VISION CARE | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VAN METER INSURANCE AGENCY (VMI) EIN 62-0911620 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1240 FAIRWAY STREET PO BOX 1779 BOWLING GREEN, KY 42102 | $0 |
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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL HEALTH OPTIONS BY HEALTH RESOURCES, INC. | 239 | $113K |
| Vision | EYEMED VISION CARE | 336 | $25K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPNAY | 334 | $70K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $45K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $30K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 334 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.