| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | — | $0 | 0.00% |
| BENEFIT INSURANCE MARKETING, INC. Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | — | $0 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 6.06% |
| REGINA SCHMUTTE3 Filed as: REGINA M SCHMUTTE | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 6.06% |
| UMR, INC.5 Filed as: UMR INC | 333 WEST VINE STREET STE 500 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 3.56% |
| NPF INS SERVICES INC3 Filed as: NPF INSURANCE SERVICES | 1250 CAPITAL OF TX HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.10% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 17.53% |
| UMR, INC.5 Filed as: UMR INC | 333 WEST VINE STREET STE 500 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $947 | $947 | 5.26% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 376 | $5.2M |
| Dental | DELTA DENTAL | 292 | $81K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 218 | $203K |
| Short-term disability | STANDARD INSURANCE COMPANY | 218 | $185K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 218 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.