| 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 | $0 | $25K | 3.08% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $3K | $0 | $3K | 9.79% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2416 SIR BARTON WAY, SUITE 300 LOUISVILLE, KY 40509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.34% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $886 | $24 | $910 | 4.28% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH GOLDEN AND OTHER AGENTS | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $286 | $24 | $310 | 1.46% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 0.83% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $8 | $170 | 0.80% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $39 | $165 | 0.78% |
| MARSHA CLARKSON3 | 6311 FAIRPLAY ROAD COLUMBIA, KY 42728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $148 | $0 | $148 | 0.70% |
| HOUCHENS INSURANCE GROUP INC3 | 109 INTERNATIONAL DRIVE, SUITE 101 FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.66% |
| LIFETIME FINANCIAL GROWTH CO O3 Filed as: LIFETIME FINANCIAL GROWTH CO OF OH | UNKNOWN TOMPKINSVILLE, KY 42167 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | $0 | $52 | 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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 129 | $810K |
| Dental | PARAMOUNT DENTAL | 132 | $34K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 129 | $810K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 206 | $22K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $19K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $19K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 129 | $810K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 206 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.