| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58K | $11K | $69K | 8.36% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104K | $11K | $115K | 16.63% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | P.O. BOX 1779 BOWLING GREEN, KY 42104 | EYEMED VISION CARE | $28K | — | $28K | 9.15% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $3K | $33K | 11.16% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 3.10% |
| JANE A. KATTER3 | PO BOX 81 JASPER, IN 47547 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 37.18% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 31.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 23.14% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 10.50% |
| MARSHA S TALLEY3 Filed as: MARSHA S. TALLEY | 5401 N. VOGEL ROAD, SUITE 410 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.91% |
| LAUREL A SEGER3 | 902A MAIN ST JASPER, IN 47456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.80% |
| KYLE ELLISON3 | 1281 E. MARIGOLD DRIVE BLOOMINGTON, IN 47401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.19% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 109 INTERNATIONAL DRIVE SUITE 101 FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.70% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2 | — | -$2 | -0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$5 | — | -$5 | -0.01% |
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 | 4,253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $45K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 2,786 | $351K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,845 | $299K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 304 | $95K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,932 | $875K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,845 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,845 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.