| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE. 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $27K | $6K | $33K | 10.32% |
| DONALD W BRATCHER3 | 1043 PEDIGO WAY, STE 32 BOWLING GREEN, KY 42103 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE. 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 9.33% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE. 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $395 | $2K | 12.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC INSURANCE AGENT | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | $36K |
| DONALD W. BRATCHER INSURANCE AGENT | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1043 PEDIGO WAY, STE 32 BOWLING GREEN, KY 42103 | $13K |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 155 | $341K |
| Dental | DELTA DENTAL OF KENTUCKY | 294 | $102K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 155 | $19K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $135K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $135K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.