| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $24K | — | $24K | 2.90% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 109 INTERNATIONAL DRIVE, SUITE 101 FRANKLIN, TN 37067 | GUARDIAN | $2K | — | $2K | 13.60% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH COMPANY | 120 E 4TH STREET, SUITE 1500 CINCINNATI, OH 45202 | GUARDIAN | $45 | — | $45 | 0.27% |
| WILLIAM JONES3 | 958 COLLETT AVE STE 200 BOWLING GREEN, KY 42101 | AFLAC | $695 | — | $695 | 5.96% |
| JOHN E PORTER3 | 621 MUIRFIELD CIRCLE BOWLING GREEN, KY 42104 | AFLAC | $284 | — | $284 | 2.43% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $143 | — | $143 | 1.23% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $137 | — | $137 | 1.17% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BLVD, SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $70 | — | $70 | 0.60% |
| TASHA W DOSSETT3 Filed as: TASHA W DOZIER | 581 HEARDTOWN ROAD TUPELO, MS 38804 | AFLAC | $65 | — | $65 | 0.56% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $46 | — | $46 | 0.39% |
| DEBORAH BIGGERS3 Filed as: DEBORAH K BIGGERS | 126 LONGHUNTERS TRAIL GLASGOW, KY 42141 | AFLAC | $40 | — | $40 | 0.34% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $40 | — | $40 | 0.34% |
| TASHA W DOSSETT3 | 581A HEARDTOWN ROAD TUPELO, MS 38804 | AFLAC | $29 | — | $29 | 0.25% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $15 | — | $15 | 0.13% |
| WILLIAM JONES3 | 2362 RUSSELLVILLE ROAD BOWLING GREEN, KY 42101 | AFLAC | $15 | — | $15 | 0.13% |
| MURPHY M DEMUNBRUN JR3 | 900 REX BARTLEY ROAD GLASGOW, KY 42141 | AFLAC | $13 | — | $13 | 0.11% |
| MURPHY M DEMUNBRUN JR3 | 93 ARNOLD DRIVE GLASGOW, KY 42141 | AFLAC | $8 | — | $8 | 0.07% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $6 | — | $6 | 0.05% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD, SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $6 | — | $6 | 0.05% |
| KRISTIANNA J FLY3 | P.O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $3 | — | $3 | 0.03% |
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 | 85 | 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) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 135 | $817K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 135 | $817K |
| Life insurance | GUARDIAN | 85 | $16K |
| Short-term disability | AFLAC | 11 | $12K |
| Other | GUARDIAN | 85 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.