| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY | $90K | $19K | $109K | 5.49% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $12K | $0 | $12K | 10.83% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 24.52% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $2K | $112 | $2K | 8.10% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $665 | $24 | $689 | 2.97% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 254 SEVILLE STREET SUITE A FLORENCE, AL 35630 | AFLAC | $394 | $0 | $394 | 1.70% |
| MJ INSURANCE3 Filed as: JOSEPH PUPEK JR. AND VARIOUS AGENTS | 327 SOUTH WALNUT STREET FLORENCE, AL 35630 | AFLAC | $296 | $17 | $313 | 1.35% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E. PUPEK JR. | 343 FAIRWAYS DRIVE MACON, GA 31220 | AFLAC | $250 | $5 | $255 | 1.10% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $233 | $0 | $233 | 1.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $174 | $0 | $174 | 0.75% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $74 | $0 | $74 | 3.36% |
| MARY B. GRIGSBY3 Filed as: MARY GRIGSBY | 1503 HERMITAGE ROAD FLORENCE, AL 35630 | AFLAC | $63 | $0 | $63 | 2.86% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $51 | $0 | $51 | 2.31% |
| J & J INSURANCE3 Filed as: J AND J INSURANCE INC. | 302 WESTBURY LANE FLORENCE, AL 35630 | AFLAC | $36 | $0 | $36 | 1.63% |
| MJ INSURANCE3 Filed as: FLOYD NAPPS AND VARIOUS AGENTS | 275 PLANTATION SPRINGS ROAD FLORENCE, AL 35630 | AFLAC | $23 | $0 | $23 | 1.04% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 254 SEVILLE STREET, SUITE A FLORENCE, AL 35630 | AFLAC | $17 | $0 | $17 | 0.77% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $15 | $0 | $15 | 0.68% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 109 JOSH COURT FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 3.19% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 1.89% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 1.89% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 1121 NORTH WOOD AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 1.24% |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.72% |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY | 639 | $2.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 556 | $112K |
| Vision(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY | 639 | $2.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 418 | $55K |
| Short-term disability(2 contracts) | AFLAC | 36 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 418 | $55K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY | 639 | $2.0M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 418 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.