| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE RD. STE 4 BOWLING GREEN, KY 421043375 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 4.59% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.63% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 18.11% |
| WILLIAM JONES3 | 958 COLLETT AVE STE 200 BOWLING GREEN, KY 42101 | AFLAC | $419 | $48 | $467 | 3.16% |
| JOHN E PORTER3 | 200 MCGLOCKLIN WAY BOWLING GREEN, KY 42101 | AFLAC | $305 | — | $305 | 2.07% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $154 | — | $154 | 1.04% |
| NICOLE L JONES3 | 958 COLLETT AVENUE, SUITE 200 BOWLING GREEN, KY 42101 | AFLAC | $67 | $34 | $101 | 0.68% |
| TASHA W DOSSETT3 | 581A HEARDTOWN ROAD TUPELO, MS 38804 | AFLAC | $101 | — | $101 | 0.68% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $100 | — | $100 | 0.68% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $73 | $14 | $87 | 0.59% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BLVD, SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $75 | — | $75 | 0.51% |
| DEBORAH BIGGERS3 | 126 LONGHUNTERS TRAIL GLASGOW, KY 42141 | AFLAC | $43 | — | $43 | 0.29% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $43 | — | $43 | 0.29% |
| MURPHY M DEMUNBRUN JR3 | 93 ARNOLD DRIVE GLASGOW, KY 42141 | AFLAC | $23 | — | $23 | 0.16% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $16 | — | $16 | 0.11% |
| DENNIS HARTIN3 | 12203 STATE ST. TAMPA, FL 33635 | AFLAC | $7 | — | $7 | 0.05% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD. TIMNATH, CO 80547 | AFLAC | $6 | — | $6 | 0.04% |
| KRISTIANNA J FLY3 | P.O. BOX 206 NORTH MIDDLETOWN, KS 40357 | AFLAC | $3 | — | $3 | 0.02% |
| 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. | $2K | — | $2K | — |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $798K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 88 | $16K |
| Short-term disability | AFLAC | 11 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.