| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN METER INSURANCE AGENCY INC3 | 1240 FAIR WAY ST. BOWLING GREEN, KY 42103 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 6.87% |
| BRATCHER FINANCIAL SERVICES, INC.3 Filed as: BRATCHER FINANCIAL SERVICES INC | 1043 PEDIGO WAY, STE 32 BOWLING GREEN, KY 42103 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.63% |
| VAN METER INSURANCE AGENCY INC3 | P.O. BOX 1779 BOWLING GREEN, KY 42102 | HUMANA INSURANCE COMPANY | $32K | — | $32K | 19.93% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD, STE. 4 BOWLING GREEN, KY 421043375 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 1.97% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE GROUP | 109 INTERNATIONAL DR FRANKLIN, TN 37067 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 10.69% |
| VAN METER INSURANCE AGENCY INC3 | P.O. BOX 1779 BOWLING GREEN, KY 42102 | COMPBENEFITS INSURANCE COMPANY | $1K | — | $1K | 10.30% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD, STE. 4 BOWLING GREEN, KY 421043375 | COMPBENEFITS INSURANCE COMPANY | $370 | — | $370 | 3.01% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 188 | $160K |
| Dental | DELTA DENTAL OF KENTUCKY | 288 | $87K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 107 | $12K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 208 | $213K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 208 | $213K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 208 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.