| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $64K | — | $64K | 3.50% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD. STE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 9.17% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 15.28% |
| INSURANCE SPECIALIST LLC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.53% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 16.72% |
| INSURANCE SPECIALIST LLC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.47% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 13.76% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.39% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $795 | $3K | 17.49% |
| INSURANCE SPECIALIST LLC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.76% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 17.09% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 2.45% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.89% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $1 | $39 | 0.57% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.51% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1870 PLANO RICHPOND RD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.29% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.22% |
| BOBBIE J WHITTAKER3 | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.12% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| BARRICK & MARTIN INC3 Filed as: BARRICK AND MARTIN INC | DBA CENTER OF INSURANCE PO BOX 1077 BOWLING GREEN, KY 42102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| JODY DAN BRYANT3 | 2377 SOUTH FORD AVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 172 | $1.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 328 | $77K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 306 | $15K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $76K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $66K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
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.