| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $28K | $28K | 4.76% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $974 | $7K | 6.84% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | PO BOX 2364 INDIANAPOLIS, IN 46206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5 | $17 | $22 | 0.02% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | 37225 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | USABLE LIFE | $2K | $0 | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $790 | $281 | $1K | 7.63% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.82% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $594K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $98K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 169 | $10K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $112K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $98K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $98K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $594K |
| Other | USABLE LIFE | 168 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.