| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $73K | $21K | $94K | 5.09% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $14K | $0 | $14K | 0.74% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $6K | $0 | $6K | 6.05% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 3.10% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 24.30% |
| STEPHEN D. ALLEN3 Filed as: STEPHEN ALLEN | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $1K | $24 | $1K | 5.73% |
| MARY B. GRIGSBY3 Filed as: MARY GRIGSBY | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $824 | $0 | $824 | 4.54% |
| RALPH H KEELER3 Filed as: RALPH MANN | 254 SEVILLE STREET, SUITE A FLORENCE, AL 35630 | AFLAC | $316 | $0 | $316 | 1.74% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $188 | $0 | $188 | 1.04% |
| MJ INSURANCE3 Filed as: R AND L BENEFITS AND VARIOUS AGENTS | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $160 | $0 | $160 | 0.88% |
| JOESPH MCBRIDE3 | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $139 | $0 | $139 | 0.77% |
| JOSEPH E PUPEK JR Filed as: JOSEPH PUPEK JR | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $76 | $5 | $81 | 0.45% |
| MARY B. GRIGSBY3 Filed as: MARY GRIGSBY | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $40 | $0 | $40 | 2.91% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $30 | $0 | $30 | 2.18% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $29 | $0 | $29 | 2.11% |
| MJ INSURANCE3 Filed as: FLOYD NAPPS AND VARIOUS AGENTS | 275 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | AFLAC | $23 | $0 | $23 | 1.67% |
| RALPH H KEELER3 Filed as: RALPH MANN | 254 SEVILLE STREET, SUITE A FLORENCE, AL 35630 | AFLAC | $17 | $0 | $17 | 1.24% |
| STEPHEN D. ALLEN3 Filed as: STEPHEN ALLEN | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $15 | $0 | $15 | 1.09% |
| ESTATE OF JACK DAVID LARD3 Filed as: ESTATE OF JACK DAVID LARD. | 278 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | AFLAC | $13 | $0 | $13 | 0.94% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 109 JOSH COURT FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 3.10% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 1.90% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 1.90% |
| JOESPH N. MCBRIDE3 | 1121 NORTH WOOD AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 1.21% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.86% |
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 | 426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 646 | $1.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 546 | $101K |
| Vision(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 646 | $1.9M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $53K |
| Short-term disability(2 contracts) | AFLAC | 35 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $53K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 646 | $1.8M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.