| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E M FORD & CO LLC3 | 600 FREDERICA ST OWENSBORO, KY 42301 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $36K | — | $36K | 2.19% |
| 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 | $7K | — | $7K | 0.43% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 20.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $358 | $358 | 0.32% |
| E M FORD & CO LLC3 Filed as: E M FORD 7 CO LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | DELTA DENTAL OF KENTUCKY | $8K | — | $8K | 9.92% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $507 | $507 | 0.71% |
| E M FORD & CO LLC3 Filed as: E M FORD 7 COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $328 | $328 | 0.73% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 16.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $118 | $118 | 0.28% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $5K | $366 | $5K | 19.58% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $4K | $40 | $4K | 17.57% |
| JENNIFER KELLER3 | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $4K | — | $4K | 15.51% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 2.67% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.49% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.42% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.34% |
| BOBBIE J WHITTAKER3 | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| BARRICK & MARTIN INC3 | DBA CENTER OF INSURANCE BOWLING GREEN, KY 42102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.10% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| JODY DAN BRYANT3 | 1429 MOUNT AYR CIRCLE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 361 | $1.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 370 | $81K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 361 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 268 | $159K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $72K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 268 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.