| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DRIVE, SUITE 204 FORT MITCHELL, KY 41017 | DENTAL CARE PLUS, INC. | $3K | $0 | $3K | 3.21% |
| INSURANCE SPECIALIST LLC3 Filed as: INSURANCE SPECIALIST | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DENTAL CARE PLUS, INC. | $1K | $0 | $1K | 1.24% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DRIVE, SUITE 204 FORT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.87% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.92% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DRIVE, SUITE 204 FORT MITCHELL, KY 41017 | EYEMED | $688 | $0 | $688 | 3.91% |
| HOUCHENS INSURANCE3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | EYEMED | $150 | $0 | $150 | 0.85% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 270 | $99K |
| Vision | EYEMED | 270 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $59K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.