| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $47K | — | $47K | 1.67% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | DELTA DENTAL OF KENTUCKY | $11K | — | $11K | 7.88% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.36% |
| JAMES D NORVELL3 | 113 N MAIN STREET SUITE 1 CORBIN, KY 40701 | NORTHWESTERN MUTUAL | $3K | $654 | $3K | 19.37% |
| NM LOUISVILLE INC3 | 462 S 4TH STREET SUITE 1900 LOUISVILLE, KY 40202 | NORTHWESTERN MUTUAL | $519 | $62 | $581 | 3.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH | Claims processing; Contract Administrator Service code 12 | — | $276 |
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 | 520 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 383 | $2.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 497 | $134K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 520 | $55K |
| Long-term disability | NORTHWESTERN MUTUAL | 29 | $17K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 520 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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."
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.