Welfare broker

HOUCHENS INSURANCE

Mailing address (most recent filing)

1240 FAIRWAY STREET

BOWLING GREEN, KY 42103

Total comp: $249K
Commissions: $219K
Fees: $30K
Filings: 18
Sponsors: 18

Carrier mix

Where HOUCHENS INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
AMERICAN UNITED LIFE INSURANCE COMPANY33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$996K	33.3%
AMERICAN UNITED LIFE INSURANCE COMPANY	1	$150K	33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$21K	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
KY	2	$170K	0.0%	13.14x
OH	1	$996K	0.0%	2.57x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of HOUCHENS INSURANCE's plans by broker comp / premium ratio. Median 11.58% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of HOUCHENS INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where HOUCHENS INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RLO INC. CMFO, LTD R.L.O. INC. CMFO, LTD	OH	$996K	$51K	UNITEDHEALTHCARE INSURANCE COMPANY
RUSSELLVILLE ENGINEERED CASTINGS, INC. RUSSELLVILLE ENGINEERED CASTINGS, INC. HEALTH AND WELFARE BENEFIT PLAN	KY	$150K	$21K	AMERICAN UNITED LIFE INSURANCE COMPANY
CEDAR LAKE LODGE, INC. CEDAR LAKE LODGE GROUP VISION INSURANCE PLAN	KY	$21K	$2K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$996K

33.3%

AMERICAN UNITED LIFE INSURANCE COMPANY

$150K

33.3%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$21K

33.3%

State

Plans

Premium

State share

Index

$170K

0.0%

13.14x

$996K

0.0%

2.57x

Sponsor

Loc

Premium

Comp

Carrier

RLO INC. CMFO, LTD

R.L.O. INC. CMFO, LTD

$996K

$51K

UNITEDHEALTHCARE INSURANCE COMPANY

RUSSELLVILLE ENGINEERED CASTINGS, INC.

RUSSELLVILLE ENGINEERED CASTINGS, INC. HEALTH AND WELFARE BENEFIT PLAN

$150K

$21K

AMERICAN UNITED LIFE INSURANCE COMPANY

CEDAR LAKE LODGE, INC.

CEDAR LAKE LODGE GROUP VISION INSURANCE PLAN

$21K

$2K

UNITED OF OMAHA LIFE INSURANCE COMPANY