| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE Filed as: HOUCHENS INS GRP INC DBA INS SPECIA | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $107K | $22K | $129K | 2.32% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $8K | — | $8K | 3.07% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $2K | $31K | 21.16% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $357 | $357 | 0.24% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $5K | $11K | 8.02% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 6.66% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 4.99% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $846 | $4K | 2.63% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $932 | $62 | $994 | 0.72% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $872 | $22 | $894 | 0.65% |
| FRANKIE GLEE WILLIAMS3 | 206 HURRICANE SHORES RD SCOTTSVILLE, KY 42164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | $151 | $857 | 0.62% |
| HIGGINS INSURANCE INC3 | C/O HIGGINS INSURANCE HOPKINSVILLE, KY 42241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $690 | $2 | $692 | 0.50% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $607 | $37 | $644 | 0.47% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | $33 | $460 | 0.33% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | $0 | $347 | 0.25% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 801 DEL RIO PIKE FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $28 | $284 | 0.21% |
| SHANNON DRUMM3 | 4021 GRAYBAR CT NASHVILLE, TN 37215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $0 | $274 | 0.20% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | $2 | $208 | 0.15% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $0 | $92 | 0.07% |
| VIOLET P COOTS3 | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.05% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.02% |
| JERRY W HOOPER3 | 6044 MAYSBROOK LANE FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| BARRICK & MARTIN INC3 | DBA CENTER OF INSURANCE BOWLING GREEN, KY 42102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $2K | $30K | 21.71% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $492 | $492 | 0.36% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $2K | $20K | 21.92% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $370 | $370 | 0.40% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| TOTAL VISION SERVICES5 | PO BOX 86 CLEVES, OH 45002 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS VISION TPA) | $3K | — | $3K | 5.75% |
| HOUCHENS INSURANCE5 Filed as: GARY MCCLURE - HOUCHENS INSURANCE | 1780 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS VISION TPA) | $2K | — | $2K | 4.25% |
| INSURANCE ASSOCIATES PLUS, INC.5 Filed as: INSURANCE ASSOCIATES PLUS, INC | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS VISION TPA) | $1K | — | $1K | 2.83% |
| INSURANCE ASSOCIATES PLUS, INC.5 Filed as: INSURANCE ASSOCIATES PLUS, INC | 6903 HUMMINGBIRD DRIVE MASON, OH 45040 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS VISION TPA) | $993 | — | $993 | 2.12% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 351.28% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $316 | $316 | 73.32% |
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 | 696 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 535 | $5.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 947 | $246K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS VISION TPA) | 894 | $47K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 696 | $240K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $48K |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 696 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.