| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KY, INC. | $115K | $1K | $116K | 1.29% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE RD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KY, INC. | $52K | — | $52K | 0.58% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD, SUITE 4 BOWLING GREEN, KY 42104 | STANDARD INSURANCE COMPANY | $34K | — | $34K | 16.25% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE ADMINISTRATORS LLC | 6110 TECHNOLOGY CENTER DR, STE 500 INDIANAPOLIS, IN 46278 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 4.58% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD, SUITE 4 BOWLING GREEN, KY 42104 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.38% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE ADMINISTRATORS LLC | 6110 TECHNOLOGY CENTER DR, STE 500 INDIANAPOLIS, IN 46278 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 5.50% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | METLIFE | $2K | $52 | $2K | 9.01% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE BENEFITS GROUP INC | 6110 TECHNOLOGY CENTER DR, STE 500 INDIANAPOLIS, IN 46278 | METLIFE | — | $761 | $761 | 3.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | METLIFE | $574 | — | $574 | 2.26% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE BENEFITS GROUP INC | 6110 TECHNOLOGY CENTER DR, STE 500 INDIANAPOLIS, IN 46278 | METLIFE | — | $19 | $19 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPSTONE ADMINISTRATORS LLC EIN 35-2260019 | Contract Administrator Service code 13 | — | $158K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 | Accounting (including auditing) Service code 10 | — | $5K |
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 | 1,091 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 2,280 | $9.0M |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KY, INC. | 2,280 | $9.0M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KY, INC. | 2,280 | $9.0M |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 259 | $264K |
| Short-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 259 | $264K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 259 | $264K |
| Other | METLIFE | 147 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,280 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.