| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 421043375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $6K | $27K | 25.79% |
| JODY BRYANT3 Filed as: JODY D BRYANT | INSURANCE SPECIALISTS LLC 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 421043375 | HEALTH RESOURCES, INC. | $9K | — | $9K | 10.00% |
| JODY BRYANT3 Filed as: JODY D BRYANT | INSURANCE SPECIALISTS LLC 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 421043375 | HEALTH RESOURCES, INC. | $5K | — | $5K | 10.00% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 421043375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.99% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 421043375 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.93% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES, INC. | 257 | $140K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $27K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 369 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $106K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 369 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.