| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $4K | $23K | 16.29% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $14K | — | $14K | 20.01% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.78% |
| INSURANCE SPECIALIST LLC3 Filed as: INSURANCE SPECIALIST, LLC | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.80% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM, INC. AND OTHER AGENTS | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $3K | — | $3K | 5.08% |
| OLIVIA BASTIN3 | 9004 BILLINGSGATE PLACE LOUISVILLE, KY 40242 | AFLAC | $583 | $329 | $912 | 1.55% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA DOEPKE | 10733 WORTHINGTON LANE PROSPECT, KY 40059 | AFLAC | $825 | $75 | $900 | 1.53% |
| MARK GALVIN LLC3 Filed as: MARK GALVIN, LLC | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $777 | $75 | $852 | 1.45% |
| CHARLES HUGH MACKAY3 Filed as: CHARLES MACKAY | 18250 142ND AVENUE NE WOODINVILLE, WA 98072 | AFLAC | $719 | — | $719 | 1.22% |
| JILL D BLACKWELL3 Filed as: JILL BLACKWELL | 11508 SHAFFER FARMS LANE LOUISVILLE, KY 40291 | AFLAC | $603 | $46 | $649 | 1.10% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE, INC. | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | AFLAC | $586 | — | $586 | 1.00% |
| MARK GALVIN LLC3 Filed as: MARK A. GALVIN | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $299 | — | $299 | 2.82% |
| ALLISON JONES LUCKETT3 Filed as: ALLISON J. LUCKETT AND OTHER AGENTS | 5224 PEBBLE CREEK PLACE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | — | $207 | 1.95% |
| REBECCA A DEFERRARO3 Filed as: REBECCA A. DEFERRARO | 307 MONOHAN DRIVE LOUISVILLE, KY 40207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 1.43% |
| POWELL ENTERPRISES LLC3 Filed as: POWELL ENTERPRISES, LLC | 125 PLANTATION CENTRE DRIVE SUITE 900B MACON, GA 31210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 1.42% |
| TIFFANY ANN AKERS3 Filed as: TIFFANY AKERS | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.70% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.57% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 264 | $72K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $210K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $140K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $210K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
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.