| 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 42104 | DELTA DENTAL OF KENTUCKY | $9K | $0 | $9K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 15.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 4.34% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $361 | $0 | $361 | 2.73% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $330 | $0 | $330 | 2.50% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $186 | $0 | $186 | 1.41% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE SUITE 500, BOX 358 COLUMBUS, GA 31904 | AFLAC | $118 | $0 | $118 | 0.89% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS, INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $84 | $0 | $84 | 0.64% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 121 DALTON LANE TUSCUMBIA, AL 35674 | AFLAC | $78 | $0 | $78 | 0.59% |
| MJ INSURANCE3 Filed as: FLOYD G. NAPPS AND VARIOUS AGENTS | 275 PLANTATION SRPINGS DRIVE FLORENCE, AL 35630 | AFLAC | $34 | $0 | $34 | 0.26% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 1.83% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 1.83% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 109 JOSH COURT FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 1.83% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 1121 NORTH WOOD AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.92% |
| SAIC INC3 Filed as: SAIC, INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.92% |
| MICHAEL SHANE KIRKLAND3 | 327 SOUTH WALNUT STREET FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 415 | $85K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 178 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 393 | $69K |
| Short-term disability | AFLAC | 14 | $13K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 393 | $69K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 393 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.