| 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 KY, INC. | $33K | $835 | $34K | 3.71% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $3K | $435 | $4K | 17.44% |
| PAMELA SATTERLY3 | 305 WILLIAMSBURG ROAD FRANKLIN, KY 42134 | AFLAC | $1K | $86 | $1K | 8.15% |
| WILLIAM JONES3 | 958 COLLETT AVENUE, SUITE 200 BOWLING GREEN, KY 42101 | AFLAC | $259 | — | $259 | 1.93% |
| JOHN E PORTER3 | 200 MCGLOCKLIN WAY BOWLING GREEN, KY 42101 | AFLAC | $240 | — | $240 | 1.79% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $167 | $20 | $187 | 1.39% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $121 | — | $121 | 0.90% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $81 | — | $81 | 0.60% |
| TASHA W DOSSETT3 | 581A HEARDTOWN ROAD TUPELO, MS 38804 | AFLAC | $79 | — | $79 | 0.59% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BLVD, SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $59 | — | $59 | 0.44% |
| DEBORAH BIGGERS3 | 126 LONGHUNTERS TRAIL GLASGOW, KY 42141 | AFLAC | $34 | — | $34 | 0.25% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $34 | — | $34 | 0.25% |
| MURPHY M DEMUNBRUN JR3 | 93 ARNOLD DRIVE GLASGOW, KY 42141 | AFLAC | $18 | — | $18 | 0.13% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $13 | — | $13 | 0.10% |
| DENNIS HARTIN3 | 12203 STATE ST. TAMPA, FL 33635 | AFLAC | $5 | — | $5 | 0.04% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD. TIMNATH, CO 80547 | AFLAC | $5 | — | $5 | 0.04% |
| KRISTIANNA J FLY3 | P.O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $2 | — | $2 | 0.01% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KY, INC. | 157 | $920K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 157 | $920K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 92 | $20K |
| Short-term disability | AFLAC | 16 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.