| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP INC | PO BOX 1779 BOWLING GREEN, KY 42102 | SYMETRA LIFE INSURANCE COMPANY | $105K | $32K | $137K | 13.01% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES INC | $29K | $0 | $29K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES INC | $14K | $0 | $14K | 10.00% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS DBA INSURANCE SPECIALISTS | 1750 SCOTTSVILLE RD #4 BOWLING GREEN, KY 42104 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.16% |
| BRATCHER FINANCIAL SERVICES, INC.3 | 1043 PEDIGO WAY SUITE 32 BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $813 | $0 | $813 | 0.82% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | HARTFORD LIFE AND ACCIDENT | $952 | $32 | $984 | 15.50% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT INSURANCE | $0 | $3K | $3K | — |
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 | 948 | 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) | 948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES INC | 792 | $421K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,310 | $100K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 948 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 948 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 948 | $1.1M |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 948 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,310 | — |
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.