| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN A WARREN3 | POST OFFICE BOX 9727 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT INSURANCE | $92K | — | $92K | 7.51% |
| NORTH AMERICA ADMINISTRATORS, LP3 Filed as: NORTH AMERICAN ADMINISTRATORS | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $75K | — | $75K | 15.00% |
| DONALD W BRATCHER3 | 1043 PEDIGO WAY SUITE 32 BOWLING GREEN, KY 42103 | HEALTH RESOURCES INC | $31K | — | $31K | 10.00% |
| BRATCHER FINANCIAL SERVICES, INC.3 Filed as: BRATCHER DONALD W | 1043 PEDIGO WAY SUITE 32 BOWLING GREEN, KY 42103 | HEALTH RESOURCES INC | $11K | — | $11K | 10.00% |
| BRATCHER FINANCIAL SERVICES, INC.3 | 1043 PEDIGO WAY SUITE 32 BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 9.97% |
| HOUCHENS INSURANCE3 | — | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
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 | 932 | 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) | 932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES INC | 386 | $417K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,188 | $90K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE | 886 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE | 886 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE | 886 | $1.2M |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 0 | $497K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE | 1,460 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,460 | — |
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."
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.