| 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 | $53K | $0 | $53K | 1.96% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.07% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP INC | PO BOX 1779 BOWLING GREEN, KY 42102 | SYMETRA LIFE INSURANCE COMPANY | $38K | $7K | $44K | 17.67% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP DBA VAN METER | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $8K | $0 | $8K | 8.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $910 | $5K | 10.01% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 8.23% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $391 | $2K | 4.20% |
| RSC INSURANCE BROKERAGE INC3 | DBA RISK STRATEGIES COMPANY PADUCAH, KY 42001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $485 | $0 | $485 | 1.00% |
| CRTX2 LLC3 Filed as: CRTX2 LIC | 826 ANN MARIE CIR BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $344 | $415 | 0.86% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | $4 | $203 | 0.42% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BND OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $0 | $201 | 0.42% |
| VIOLET P COOTS3 | 1410 WHALEN RD BOWLING GREEN, KY 42101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $0 | $172 | 0.36% |
| AMY POYNTER3 | 299 CAVELAND RD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $1 | $25 | 0.05% |
| LEIGH L ARMSTRONG3 | 1330 WALNUT WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP DBA VAN METER | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 421043375 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.38% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $174 | $0 | $174 | 0.50% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 319 | $2.7M |
| Dental | DELTA DENTAL OF KENTUCKY | 351 | $106K |
| Vision | VISION SERVICE PLAN | 147 | $35K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $250K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $250K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $250K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 53 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
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.