| 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 42104 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | $0 | $52K | 2.00% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP DBA VAN METER | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | HARTFORD LIFE AND ACCIDENT | $42K | $0 | $42K | 15.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 2.97% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP DBA VAN METER | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $10K | $0 | $10K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 11.92% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 10.17% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $555 | $2K | 4.21% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $458 | $17 | $475 | 0.99% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH RD PADUCAH, KY 42001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $390 | $0 | $390 | 0.81% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BND OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $347 | $22 | $369 | 0.77% |
| RSC INSURANCE BROKERAGE INC3 | DBA RISK STRATEGIES COMPANY PADUCAH, KY 42001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | $0 | $266 | 0.55% |
| VIOLET P COOTS3 | 1410 WHALEN RD BOWLING GREEN, KY 42101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $196 | $0 | $196 | 0.41% |
| LEIGH L ARMSTRONG3 | 1330 WALNUT WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $25 | $158 | 0.33% |
| BOBBIE J WHITTAKER3 | 2530 SCOTTSVILLE RD BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $2 | $17 | 0.04% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP DBA VAN METER | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.55% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $165 | $0 | $165 | 0.50% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP DBA VAN METER | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | $0 | $4K | 197.64% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $2.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 331 | $97K |
| Vision | VISION SERVICE PLAN | 139 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 192 | $282K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 192 | $282K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 192 | $282K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 192 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.