| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $76K | $3K | $79K | 4.37% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | DELTA DENTAL OF KENTUCKY | $11K | $0 | $11K | 10.86% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 22.32% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $1K | $54 | $1K | 6.99% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $932 | $54 | $986 | 5.94% |
| MJ INSURANCE3 Filed as: SAIC INC AND VARIOUS AGENTS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $278 | $0 | $278 | 1.67% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $247 | $0 | $247 | 1.49% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 160 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $120 | $0 | $120 | 0.72% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $109 | $0 | $109 | 0.66% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $58 | $0 | $58 | 0.35% |
| MJ INSURANCE3 Filed as: FLOYD G. NAPPS AND VARIOUS AGENTS | 275 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | AFLAC | $39 | $0 | $39 | 3.27% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $34 | $0 | $34 | 2.85% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $23 | $0 | $23 | 1.93% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $14 | $0 | $14 | 1.17% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $14 | $0 | $14 | 1.17% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $9 | $0 | $9 | 0.76% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE, SUITE 500 COLUMBUS, GA 31904 | AFLAC | $9 | $0 | $9 | 0.76% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 109 JOSH COURT FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 3.20% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 1.92% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 1.92% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 1121 NORTH WOOD AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 1.12% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.80% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 572 | $1.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 495 | $99K |
| Vision(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 572 | $1.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $53K |
| Short-term disability(2 contracts) | AFLAC | 46 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $53K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 572 | $1.8M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.