| 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. | $25K | $6K | $31K | 2.83% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES, INC. | $3K | $0 | $3K | 9.86% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $3K | $2K | $5K | 17.44% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2416 SIR BARTON WAY, SUITE 300 LOUISVILLE, KY 40509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.93% |
| HOUCHENS INSURANCE GROUP INC3 | 214 LITTLE BEAR COURT BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $743 | $30 | $773 | 3.53% |
| MJ INSURANCE3 Filed as: VIOLET P. COOTS AND VARIOUS AGENTS | 1870 PLANO RICHPOND ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $611 | $12 | $623 | 2.84% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $8 | $247 | 1.13% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $0 | $201 | 0.92% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $39 | $184 | 0.84% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $56 | $178 | 0.81% |
| HOUCHENS INSURANCE GROUP INC3 | 109 INTERNATIONAL DRIVE, SUITE 101 FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.64% |
| LIFETIME FINANCIAL GROWTH CO OF OHI3 Filed as: LIFETIME FIN GROWTH CO OF OHIO | 120 EAST 4TH STREET, SUITE 1500 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | $0 | $50 | 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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 155 | $1.1M |
| Dental | HEALTH RESOURCES, INC. | 129 | $34K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 155 | $1.1M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 221 | $27K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 46 | $18K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 46 | $18K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 155 | $1.1M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 221 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.