| 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 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $59K | $9K | $68K | 3.44% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $2K | $16K | 22.17% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $526 | $5K | 17.97% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 2.86% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.51% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.44% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.29% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.23% |
| BOBBIE J WHITTAKER3 | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| BARRICK & MARTIN INC3 | DBA CENTER OF INSURANCE BOWLING GREEN, KY 42102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| JODY DAN BRYANT3 | 1429 MOUNT AYR CIRCLE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD. STE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $674 | — | $674 | 3547.37% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 378 | $2.0M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 378 | $2.0M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 378 | $2.0M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $107K |
| Short-term disability | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 378 | $2.0M |
| Long-term disability | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 378 | $2.0M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.