| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE. 4 BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $28K | — | $28K | 14.22% |
| DONALD W BRATCHER3 | 1043 PEDIGO WAY, STE 32 BOWLING GREEN, KY 42103 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | 419 PLUM ST. CINCINNATI, OH 45202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $127 | — | $127 | 0.11% |
| VAN METER INSURANCE AGENCY INC3 | 505 WELLINGTON WAY LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $8K | — | $8K | 9.18% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE. 4 BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | — | $1K | 8.91% |
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 | 216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 170 | $199K |
| Dental | DELTA DENTAL OF KENTUCKY | 283 | $86K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 117 | $14K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $112K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $112K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.