| 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% |
| UMR, INC.4 Filed as: UMR INC | 230 LEXINGTON GREEN CIRCLE LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 5.50% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| REGINA SCHMUTTE3 Filed as: REGINA M SCHMUTTE | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| NPF INS SERVICES INC3 Filed as: NPF INSURANCE SERVICES | 1250 CAPITAL OF TX AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $740 | — | $740 | 1.07% |
| HOUCHENS INSURANCE GROUP INC | PO BOX 1779 BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.48% |
| REGUNA M SCHMUTTE3 | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.48% |
| UMR, INC.5 Filed as: UMR INC | 230 LEXINGTION GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 5.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $684 | — | $684 | 1.04% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42102 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| REGINA SCHMUTTE3 Filed as: REGINA M SCHMUTTE | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| NPF INS SERVICES INC3 Filed as: NPF INSURANCE SERVICES | 1250 CAPITAL OF TX HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $597 | — | $597 | 1.10% |
| UMR, INC.5 Filed as: UMR INC | 333 WEST VINE STREET STE 500 LEXINGTON, KY 40507 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 17.87% |
| UMR, INC.5 Filed as: UMR INC | 260 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY | — | $505 | $505 | 5.50% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 17.99% |
| UMR, INC.5 Filed as: UMR INC | 260 LEXINGTON GREEN CIRCLE STE 400 LEXINGTON, KY 40503 | STANDARD INSURANCE COMPANY | — | $422 | $422 | 5.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 230 LEXINGTON GREEN CIR LEXINGTON, KY 40503 | $91K |
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 | 542 | 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) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 542 | $5.4M |
| Dental | DELTA DENTAL | 306 | $102K |
| Life insurance(3 contracts) | STANDARD INSURANCE COMPANY | 224 | $128K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 224 | $123K |
| Long-term disability(3 contracts) | STANDARD INSURANCE COMPANY | 224 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.