| 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 | $1K | $1K | 1.97% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $288 | $0 | $288 | 2.69% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $281 | $0 | $281 | 2.63% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $160 | $0 | $160 | 1.50% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE STREET 500, BOX 358 COLUMBUS, GA 31904 | AFLAC | $86 | $0 | $86 | 0.80% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 121 DALTON LANE TUSCUMBIA, AL 35674 | AFLAC | $67 | $0 | $67 | 0.63% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS, INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $57 | $0 | $57 | 0.53% |
| STAN A SHERLIN3 Filed as: STAN A. SHERLIN & OTHER AGENTS | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $20 | $0 | $20 | 0.19% |
| MARY B. GRIGSBY3 | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $26 | $0 | $26 | 2.60% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE STREET 500, BOX 358 COLUMBUS, GA 31904 | AFLAC | $25 | $0 | $25 | 2.50% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS, INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $25 | $0 | $25 | 2.50% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $17 | $0 | $17 | 1.70% |
| STEPHEN B. ALLEN3 | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $15 | $0 | $15 | 1.50% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 121 DALTON LANE TUSCUMBIA, AL 35674 | AFLAC | $8 | $0 | $8 | 0.80% |
| STAN A SHERLIN3 Filed as: STAN A. SHERLIN & OTHER AGENTS | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $1 | $0 | $1 | 0.10% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 431 | $89K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 194 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 391 | $66K |
| Short-term disability(2 contracts) | AFLAC | 14 | $12K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 391 | $66K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 391 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.