| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $73K | $6K | $79K | 4.44% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $8K | $0 | $8K | 7.96% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 24.05% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $2K | $0 | $2K | 9.99% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $1K | $0 | $1K | 6.21% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $265 | $0 | $265 | 1.26% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $190 | $0 | $190 | 0.90% |
| MJ INSURANCE3 Filed as: R & L BENEFITS AND VARIOUS AGENTS | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $176 | $0 | $176 | 0.83% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE SUITE 500, BOX 358 COLUMBUS, GA 31904 | AFLAC | $159 | $0 | $159 | 0.75% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $116 | $0 | $116 | 0.55% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $37 | $0 | $37 | 2.84% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE SUITE 500, BOX 358 COLUMBUS, GA 31904 | AFLAC | $28 | $0 | $28 | 2.15% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $25 | $0 | $25 | 1.92% |
| MJ INSURANCE3 Filed as: FLOYD NAPPS AND VARIOUS AGENTS | 275 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | AFLAC | $23 | $0 | $23 | 1.77% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $17 | $0 | $17 | 1.31% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $15 | $0 | $15 | 1.15% |
| JACK D LARD3 Filed as: JACK D. LARD | 302 WESTBURY LANE FLORENCE, AL 35630 | AFLAC | $11 | $0 | $11 | 0.85% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 109 JOSH COURT FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 2.83% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 1.70% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 1.70% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 1121 NORTH WOOD AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 1.13% |
| MJ INSURANCE3 Filed as: SAIC INC AND VARIOUS AGENTS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.85% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 555 | $1.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 484 | $101K |
| Vision(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 555 | $1.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $59K |
| Short-term disability(2 contracts) | AFLAC | 30 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $59K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 555 | $1.8M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.