Bowling Green, Kentucky employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
32 employers in Bowling Green, Kentucky filed health plans with 100 or more participants for plan year 2024, covering 20,291 participants. They reported $5.3M in insurance premiums and $3.2M in broker commissions and fees. Against 2023, premiums were up 14.0% and broker pay rose 22.0%.
Funding: 8 fully insured · 17 self-funded · 7 mixed. 24 of 32 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Bowling Green
Bowling Green employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Cannon Automotive Solutions Bowling Green, Inc. | $1,705,401 | $42,139 | 180 | Houchens Insurance Group Inc |
| Integrated Management Services, Inc. | $1,512,972 | $80,596 | 151 | Bryne Wiseman |
| Union Underwear Company, Inc. | $816,752 | $237,084 | 2,181 | Gallagher |
| Holley Performance Products | $476,771 | $190,806 | 1,514 | Houchens Insurance Group, Inc. |
| Kobelco Aluminum Automotive Products, LLC | $420,655 | $119,037 | 1,238 | Benefit Insurance Marketing, Inc. |
| Martin Management Group, Inc. | $120,320 | $109,030 | 512 | Gis Benefits, Inc. |
| Rhenus Automotive Operations, LLC | $109,519 | $124,242 | 401 | Houchens Insurance Group, Inc. |
| Trace Die Cast, Inc. | $88,364 | $21,205 | 387 | Houchens Insurance Group, Inc. |
| Bluegrass Supply Chain Services | $75,178 | $47,998 | 284 | USI Insurance Services |
| Commonwealth Health Corporation | $0 | $860,200 | 3,990 | Lockton |
| Houchens Food Group, Inc. | $0 | — | 2,060 | — |
| Houchens Industries, Inc. | $0 | — | 1,867 | — |
| Graves Gilbert Clinic, PLLC | $0 | $201,445 | 976 | Gallagher |
| Education and Training Resources, LLC | $0 | $267,407 | 785 | Brown&Brown Insurance Services, Inc |
| Wendys of Bowling Green | $0 | $61,094 | 547 | Jas D Collier & Co |
| Lifeskills, Inc. | $0 | $87,505 | 426 | Strategic Benefit Resources |
| Nasco, Inc. | $0 | $83,284 | 289 | Houchens Insurance Group Inc |
| Raffertys, Inc. | $0 | $38,197 | 270 | Houchens Insurance Group, Inc |
| Scott & Murphy, Inc. | $0 | $53,488 | 235 | E M Ford & Company LLC |
| Warren Rural Electric Cooperative Corporation | $0 | — | 221 | — |
| Lifeskills Health Services, Inc. | $0 | $36,913 | 221 | Strategic Benefit Resources |
| American Howa Kentucky Inc. | $0 | $66,707 | 182 | AssuredPartners |
| Physicians Rehab Solutions, LLC | $0 | $63,038 | 177 | Houchens Insurance Group Inc |
| Community Action of Southern Kentucky, Inc. | $0 | $18,586 | 167 | AssuredPartners |
| Anderson Hospitality Group | $0 | $17,212 | 157 | Houchens Insurance Group, Inc. |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Bowling Green employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $670,680 | 1 |
| Houchens Insurance Group, Inc. | $646,119 | 12 |
| Gallagher | $423,963 | 2 |
| Bcinsourcing, LLC | $165,179 | 1 |
| Brown&Brown Insurance Services Inc | $151,572 | 1 |
| AssuredPartners | $144,158 | 4 |
| Benefit Insurance Marketing, Inc. | $119,037 | 1 |
| Brown & Brown | $115,835 | 1 |
| Strategic Benefit Resources | $86,462 | 2 |
| Byrne Insurance Group | $67,432 | 1 |
Largest medical carriers
Medical premium written for these employers.
Bowling Green against Kentucky and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Bowling Green | Kentucky | United States | |
|---|---|---|---|
| Employer plans | 32 | 700 | 58,547 |
| Median commission rate | n/a | 3.7% | 3.8% |
| Middle half of rates | n/a | 3.4% – 5.0% | 2.7% – 5.0% |
| Median broker pay per employer | $63,038 | $61,155 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 1 | 2 | 933 |
Year over year. In plan year 2023, 31 Bowling Green employers reported $4.7M in premiums and $2.6M in broker pay for 20,602 participants; in 2024 it was $5.3M and $3.2M for 20,291 participants (premiums +14.0%, broker pay +22.0%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Bowling Green employers pay health insurance brokers?
32 Bowling Green employers reported $3,191,435 in broker commissions and fees on their 2024 Form 5500 filings, 29 of them disclosing at least some compensation. Too few fully insured medical plans in Bowling Green reported premium to compute a stable commission rate; the Kentucky median is 3.7% and the U.S. median is 3.8%. In dollars, the median Bowling Green employer that disclosed broker pay reported $63,038.
Which Bowling Green employers have the largest health plans?
By insurance premium reported for 2024, Cannon Automotive Solutions Bowling Green, Inc. ($1.7M), Integrated Management Services, Inc. ($1.5M), Union Underwear Company, Inc. ($816,752) lead. 25 Bowling Green employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Bowling Green?
By compensation reported by Bowling Green employers, the largest brokers are Lockton ($670,680, 1 plans), Houchens Insurance Group, Inc. ($646,119, 12 plans), Gallagher ($423,963, 2 plans). By medical premium, the largest carriers are Blue Cross and Blue Shield of Alabama, Bluecross Blueshield of Tennessee, Inc., Anthem Health Plans of Kentucky, Inc..
Are Bowling Green employer health plans self-funded or fully insured?
Of 32 Bowling Green employer plans, 8 are fully insured, 17 are self-funded and 7 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Kentucky
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