| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $0 | $39K | 5.99% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 15.21% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 11.89% |
| JAMES PRIEST3 Filed as: JAMES M. PRIEST AND OTHER AGENTS | 1009 NORCROSS DRIVE NASHVILLE, TN 37217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 11.62% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY | 101 GILLESPIE DRIVE, APARTMENT 8204 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.70% |
| LAMONT D JACKSON3 Filed as: LAMONT D. JACKSON | 7508 STECOAH STREET BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.79% |
| NORMAN LANE3 | 6425 CURRYWOOD DRIVE NASHVILLE, TN 37205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.75% |
| BARRY CAMPBELL3 | 5278 LICKTON PIKE GOODLETTSVILLE, TN 37072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.68% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 15.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.16% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HARTFORD LIFE AND ACCIDENT | $505 | $391 | $896 | 26.61% |
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 | 443 | 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) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $654K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $654K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $654K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 557 | $58K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 162 | $62K |
| Long-term disability(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 252 | $145K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $654K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 557 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.