| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $53K | $12K | $65K | 2.46% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42103 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 7.97% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42103 | THE DENTAL CONCERN, INC. | $2K | — | $2K | 9.97% |
| JAMES D NORVELL3 | 113 N MAIN STREET SUITE 1 CORBIN, KY 40701 | NORTHWESTERN MUTUAL | $2K | $585 | $3K | 16.13% |
| ADAM KEITH ELLIS3 | STE 114B 1945 SCOTTSVILLE RD BOWLING GREEN, KY 42104 | NORTHWESTERN MUTUAL | $232 | $83 | $315 | 1.75% |
| NM LOUISVILLE INC3 | 462 S 4TH STREET SUITE 1900 LOUISVILLE, KY 40202 | NORTHWESTERN MUTUAL | $232 | $28 | $260 | 1.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH | Claims processing; Contract Administrator Service code 12 | — | $320 |
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 | 430 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 226 | $2.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 396 | $116K |
| Vision | THE DENTAL CONCERN, INC. | 226 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 430 | $80K |
| Long-term disability | NORTHWESTERN MUTUAL | 29 | $18K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 430 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.