| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | UNKNOWN FRANKLIN, TN 37064 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $0 | $30K | 6.36% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 17.44% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 6.34% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 15.04% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 12.71% |
| MJ INSURANCE3 Filed as: NORMAN LANE & VARIOUS AGENTS | 6425 CURRYWOOD DRIVE NASHVILLE, TN 37205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 6.07% |
| BARRY CAMPBELL3 | 5278 LICKTON PIKE GOODLETTSVILLE, TN 37072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.95% |
| LAMONT D JACKSON3 Filed as: LAMONT D. JACKSON | 7508 STECOAH STREET BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.85% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY | 101 GILLESPIE DRIVE SUITE 8204 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.43% |
| JAMES PRIEST3 Filed as: JAMES M. PRIEST | 1009 NORCROSS DRIVE NASHVILLE, TN 37217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.31% |
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 | 369 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $474K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $474K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $474K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 369 | $105K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 369 | $105K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 369 | $198K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $474K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 369 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.