| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VENTRIS, LLC3 Filed as: VENTRIS LLC | 10913 SOUTH RIVER FRONT PARKWAY SUITE 100 SOUTH JORDAN, UT 84095 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $50K | $50K | 2.33% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $25K | $25K | 1.17% |
| VENTRIS, LLC3 Filed as: VENTRIS LLC | 10913 SOUTH RIVER FRONT PARKWAY SUITE 100 SOUTH JORDAN, UT 84095 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.07% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42014 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $94 | $4K | 2.23% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 15.00% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT | $0 | $143 | $143 | 0.24% |
| VENTRIS, LLC3 Filed as: VENTRIS LLC | 10913 SOUTH RIVER FRONT PARKWAY SUITE 100 SOUTH JORDAN, UT 84095 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 47.18% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | $0 | $199 | 0.88% |
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 | 422 | 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) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 587 | $183K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 587 | $183K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 587 | $183K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 165 | $59K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 165 | $59K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $2.1M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 587 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.