| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $63K | $24K | $87K | 20.74% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.20% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $27K | $3K | $30K | 11.06% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $6K | $15K | 26.13% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $919 | $8K | 13.55% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $362 | $2K | 3.09% |
| LAURA SUMIE CELIS GAMAS3 Filed as: LAURA SUMIE GAMAS | 321 EAST CHARLESTOWN AVENUE JEFFERSONVILEE, IN 47130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $328 | $4 | $332 | 0.57% |
| MARYANNE ANDERSON3 Filed as: MARYANNE ANDERSON AND OTHER AGENTS | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $234 | $2 | $236 | 0.40% |
| FRANKIE GLEE WILLIAMS3 | 206 HURRICANE SHORES ROAD SCOTTSVILLE, KY 42164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $148 | $0 | $148 | 0.25% |
| HAYS COMPANIES, INC.3 Filed as: MICHAEL LEWIS HAYES | 1309 SAINT ANDREWS DRIVE SHELBYVILLE, KY 40065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $39 | $90 | 0.15% |
| VAN METER INSURANCE3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $225 | $0 | $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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 100 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $2K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 933 | $270K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 933 | $270K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $419K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $419K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $419K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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.