| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | SYMETRA LIFE INSURANCE COMPANY | $204K | $57K | $261K | 13.71% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | P.O. BOX 1779 BOWLING GREEN, KY 42104 | EYEMED VISION CARE | $31K | — | $31K | 9.90% |
| JANE A. KATTER3 | PO BOX 81 JASPER, IN 47547 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 5.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 3.71% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.41% |
| MARSHA S TALLEY3 Filed as: MARSHA S. TALLEY | 5401 N. VOGEL ROAD, SUITE 410 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| LAUREL A SEGER3 | 902A MAIN ST JASPER, IN 47456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.48% |
| KYLE ELLISON3 | 1281 E. MARIGOLD DRIVE BLOOMINGTON, IN 47401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.41% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $539 | — | $539 | 0.22% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 3.53% |
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 | 4,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 2,829 | $314K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,821 | $1.9M |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 276 | $83K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,821 | $1.9M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,821 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,821 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.