| 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 | $4K | $29K | 2.61% |
| HEFFERNAN INSURANCE BROKERS3 | 44 MONTGOMERY STREET, SUITE 1950 SAN FRANCISCO, CA 94104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $0 | $0 | $0 | 0.00% |
| KENDALL FINANCIAL & INSURANCE LLC3 | PO BOX 128 WEST MILTON, OH 45383 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $0 | $0 | $0 | 0.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $0 | $0 | $0 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 12.96% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT | $0 | $913 | $913 | 1.83% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $3K | $0 | $3K | 9.72% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $131 | $1K | 6.16% |
| ASSUREDPARTNERS3 | 2416 SIR BARTON WAY, SUITE 300 LOUISVILLE, KY 40509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $826 | $0 | $826 | 4.30% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DRIVE BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $319 | $156 | $475 | 2.47% |
| TED BENNETT3 | 1087 ARISTIDES DRIVE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $107 | $280 | 1.46% |
| MJ INSURANCE3 Filed as: MARSHA CLARKSON AND VARIOUS AGENTS | 6311 FAIRPLAY ROAD COLUMBIA, KY 42728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $244 | $0 | $244 | 1.27% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE, SUITE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $35 | $184 | 0.96% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $0 | $124 | 0.65% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 100 | $1.1M |
| Dental | PARAMOUNT DENTAL | 97 | $36K |
| Vision | PARAMOUNT DENTAL | 97 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 194 | $50K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 194 | $50K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 194 | $50K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 100 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 194 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.