| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 40503 | HUMANA HEALTH PLAN, INC. | $92K | — | $92K | 2.99% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | — | $5K | $5K | 0.16% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | — | $43K | 15.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 40503 | THE DENTAL CONCERN, INC. | $22K | — | $22K | 9.99% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE DENTAL CONCERN, INC. | — | $2K | $2K | 1.12% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 40503 | HUMANA INSURANCE COMPANY OF KENTUCKY | $5K | — | $5K | 9.98% |
| INSURANCE SPEICALISTS, LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HUMANA INSURANCE COMPANY OF KENTUCKY | — | $624 | $624 | 1.30% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $340 | $2K | 5.57% |
| VMI ACQUISITION INC3 Filed as: VMI ACQUISITION, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $41 | $2K | 4.56% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $534 | $38 | $572 | 1.47% |
| SUSAN MAE DANIEL3 | 205 MORNINGSIDE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.38% |
| FRANKIE GLEE WILLIAMS3 | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.34% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1870 PLANO RICHPOND ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.16% |
| LISA R GRAVES3 Filed as: LISA R. GRAVES | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.06% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE COMPANY | UNKNOWN SPRINGFIELD, KY 40069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $225 | — | $225 | 10.00% |
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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 381 | $3.1M |
| Dental | THE DENTAL CONCERN, INC. | 381 | $223K |
| Vision | HUMANA INSURANCE COMPANY OF KENTUCKY | 345 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $283K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $283K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $283K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 381 | $3.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.