| 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 INSURANCE COMPANY | $17K | $0 | $17K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $4K | $20K | 19.04% |
| WILLIAM CABLE3 | 1770 INDEPENDENCE COURT, SUITE 100 BIRMINGHAM, AL 35216 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $110 | $6K | 13.72% |
| TED BENNETT3 | 1830 DETINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $597 | $434 | $1K | 2.44% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | PO BOX 50115 BOWLING GREEN, KY 42102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $508 | $104 | $612 | 1.45% |
| FRANKIE GLEE WILLIAMS3 | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $449 | $116 | $565 | 1.34% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $78 | $342 | 0.81% |
| BILLY W JOHNSON3 Filed as: BILLY W. JOHNSON | 2161 STEVENSN ROAD FRANKLIN, KS 42134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $184 | $0 | $184 | 0.44% |
| LAURA P PUGLIESSE-FOSSETT3 Filed as: LAURA P. FOSSETT AND OTHER AGENTS | 1404 PLANTATION DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $1 | $173 | 0.41% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $214 | $5K | 17.24% |
| TED BENNETT3 | 1830 DETINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $567 | $445 | $1K | 3.33% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | PO BOX 50115 BOWLING GREEN, KY 42102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $63 | $352 | 1.16% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $243 | $80 | $323 | 1.06% |
| FRANKIE GLEE WILLIAMS3 | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $45 | $240 | 0.79% |
| LAURA P PUGLIESSE-FOSSETT3 Filed as: LAURA P. FOSSETT AND OTHER AGENTS | 1404 PLANTATION DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $1 | $116 | 0.38% |
| PRESTON ROBERTSON ENTERPRISES INC3 Filed as: PRESTON ROBERTSON ENTERPRISES, INC. | 11659 BERRY HILL DRIVE NORTH PORT, AL 35475 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.16% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.94% |
| WILLIAM CABLE3 | PO BOX 660787 BIRMINGHAM, AL 35266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 2.62% |
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 | 446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHCHOICE | 408 | $14K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 672 | $172K |
| Vision | VISION SERVICE PLAN | 238 | $26K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 438 | $208K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 438 | $208K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHCHOICE | 408 | $14K |
| Other(4 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 438 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.