| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $28K | $28 | $28K | 2.81% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $0 | $4K | $4K | 0.40% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES, INC. | $4K | $0 | $4K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.68% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | 2416 SIRBARTON WAY SUITE 300 LOUISVILLE, KY 40509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.77% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1870 PLANO RICHPOND ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $549 | $88 | $637 | 3.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUSCHENS INSURANCE GROUP INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $527 | $0 | $527 | 2.48% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON & VAR. AGENTS | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $494 | $0 | $494 | 2.33% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $186 | $77 | $263 | 1.24% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $68 | $236 | 1.11% |
| RANDALL FARLEY DYER3 | 214 LITTLE BEAR COURT BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $0 | $230 | 1.08% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 109 INTERNATIONAL DRIVE, SUITE #101 FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.59% |
| LIFETIME FINANCIAL GROWTH CO OF OHI3 Filed as: LIFETIME FINANCIAL GROWTH OF OHIO | 120 EAST FOURTH STREET, SUITE 1500 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48 | $0 | $48 | 0.27% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 159 | $994K |
| Dental | HEALTH RESOURCES, INC. | 155 | $37K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 159 | $994K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 229 | $26K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 50 | $18K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 50 | $18K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 159 | $994K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 229 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.