| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP INC | PO BOX 1779 BOWLING GREEN, KY 42102 | SYMETRA LIFE INSURANCE COMPANY | $207K | $76K | $283K | 14.88% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | P.O. BOX 1779 BOWLING GREEN, KY 42102 | EYEMED VISION CARE | $31K | $0 | $31K | 10.04% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY ST. BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 6.54% |
| JANE A. KATTER3 Filed as: JANE A KATTER | 2110 SAINT CHARLES STREET JASPE, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 4.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 282023313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 2.62% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.10% |
| MARSHA S TALLEY3 | 4295 W PEBBLE DRIVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.75% |
| KYLE ELLISON3 Filed as: KYLE REED ELLISON | 3524 ELMRIDGE DR EVANSVILLE, IN 477113036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.34% |
| LAUREL A SEGER3 | 3291 DOGWOOD DRIVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | $0 | $197 | 0.06% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | SHELTERPOINT LIFE | $3K | $0 | $3K | 3.86% |
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 | 4,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 5,819 | $310K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 5,850 | $1.9M |
| Short-term disability | SHELTERPOINT LIFE | 258 | $83K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 5,850 | $1.9M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 5,850 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,850 | — |
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."
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.