| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN DEAN3 | PO BOX 9727 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT | $70K | — | $70K | 7.78% |
| NORTH AMERICAN ADMINISTRATORS3 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $82K | — | $82K | 10.00% |
| DEAN A WARREN3 | POST OFFICE BOX 9727 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT INSURANCE | $64K | — | $64K | 9.00% |
| BRATCHER FINANCIAL SERVICES, INC.3 Filed as: BRATCHER FINANCIAL SERVICES INC | 1043 PEDIGO WAY SUITE 32 BOWLING GREEN, KY 42103 | HEALTH RESOURCES INC | $24K | — | $24K | 10.00% |
| BRATCHER FINANCIAL SERVICES, INC.3 Filed as: BRATCHER DONALD W | 1043 PEDIGO WAY SUITE 32 BOWLING GREEN, KY 42103 | HEALTH RESOURCES INC | $8K | — | $8K | 10.00% |
| BRATCHER FINANCIAL SERVICES, INC.3 | 1043 PEDIGO WAY SUITE 32 BOWLING GREEN, KY 42103 | EYEMED VISION CARE | $6K | — | $6K | 9.69% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY | 109 INTERNATIONAL DRIVE SUITE 101 FRANKLIN, TN 37067 | HARTFORD LIFE AND ACCIDENT | $338 | — | $338 | 15.02% |
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 | 754 | 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) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES INC | 334 | $314K |
| Vision | EYEMED VISION CARE | 934 | $61K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 759 | $1.6M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 759 | $1.6M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 759 | $1.6M |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 644 | $823K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 759 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 934 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.