| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS W HOFFMAN3 Filed as: DENNIS HOFFMAN | 5736 GRAHAM LANE OWENSBORO, KY 42303 | AFLAC | $4K | $33 | $4K | 5.68% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $4K | $28 | $4K | 5.37% |
| MARK C LAMAR3 Filed as: MARK LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | AFLAC | $2K | $54 | $2K | 2.94% |
| JENNINFER KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1K | $0 | $1K | 1.95% |
| MJ INSURANCE3 Filed as: FRANK LAIRD AND VARIOUS AGENTS | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $912 | $19 | $931 | 1.27% |
| CONNIE JO HOFFMAN3 Filed as: CONNIE HOFFMAN | 5736 GRAHAM LANE OWENSBORO, KY 42303 | AFLAC | $756 | $0 | $756 | 1.03% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | AFLAC | $504 | $10 | $514 | 0.70% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.61% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $5K | $0 | $5K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.17% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KY, INC. | $1K | $563 | $2K | 13.82% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 221 | $51K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 200 | $15K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 224 | $139K |
| Short-term disability | AFLAC | 105 | $73K |
| Long-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 224 | $66K |
| Other(3 contracts, 2 carriers) | AFLAC | 224 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.