| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $13 | $90K | 7.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 1.35% |
| VISUAL BENEFIT COMMUNICATIONS INC3 | 360B QUALITY CIRCLE NW HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 1.32% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $186 | $3K | 0.68% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3350 RIVERWOOD PARKWAY, SUITE 600 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.39% |
| TEARLE BAGWELL3 Filed as: TEARLE DAVID BAGWELL | 360B QUALITY CIRCLE, SUITE 220 HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.25% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES, INC | 246 INTERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $934 | $0 | $934 | 0.23% |
| PAUL SAIA AND MISC. AGENTS3 | 201 OFFICE PARK DRIVE, SUITE 300 BIRMINGHAM, AL 35223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $782 | $0 | $782 | 0.20% |
| JOHN WEBSTER3 | PO BOX 36190 BIRMINGHAM, AL 35236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $518 | $0 | $518 | 0.13% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $379 | $39K | 11.58% |
| HERRING, RICHARD, FULLER3 | 246 INTERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.34% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC | 301 WEST PLATT STREET, SUITE 507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 2.03% |
| LESLIE A SCHNEIDER3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.25% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $123 | $123 | 0.04% |
| VCG CONSULTANTS LLC3 Filed as: VCG CONSULTANTS | UNKNOWN BOWLING GREEN, KY 42102 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $43K | $0 | $43K | 13.20% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $199 | $9K | 5.94% |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 WEST PLATT STREET, SUITE 507 TAMPA, FL 33606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.08% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.02% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AND MISC. AGENTS | PO BOX 24080 FORT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $133 | $1K | 0.76% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3350 RIVERWOOD PARKWAY, SUITE 600 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $885 | $0 | $885 | 0.56% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $244 | $468 | $712 | 0.45% |
| HERRING, RICHARD, FULLER3 | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $701 | $0 | $701 | 0.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET, SUITE 1100 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $8K | $0 | $8K | 20.00% |
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 | 1,728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 3,401 | $901K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,400 | $325K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,075 | $1.8M |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 946 | $698K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 946 | $537K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,075 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,075 | — |
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.