| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE. 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 0.71% |
| DONALD W BRATCHER3 | 1043 PEDIGO WAY, STE 32 BOWLING GREEN, KY 42103 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE. 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $10K | — | $10K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY, INC. EIN 61-1237516 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $199K |
| HOUCHENS INSURANCE GROUP INC INSURANCE AGENT | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | $29K |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 158 | $288K |
| Dental | DELTA DENTAL OF KENTUCKY | 313 | $105K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 158 | $288K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $117K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $117K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
No prospect flags tripped on this filing.