| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JODY STIVERS HOLLAND STIVERS & ASSO3 Filed as: JODY STIVERS | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | STANDARD LIFE AND ACCIDENT | $33K | — | $33K | 10.00% |
| ROGER ALESKA, ALESKARW, LLC3 Filed as: ROGER ALESKA | ALEKSA, LLC 14000 N. 94TH STREET, UNIT 1199 SCOTTSDALE, AZ 85260 | STANDARD LIFE AND ACCIDENT | $17K | — | $17K | 5.00% |
| MWL3 | P.O. BOX 14067 JACKSON, MS 392364067 | STANDARD LIFE AND ACCIDENT | $17K | — | $17K | 5.00% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS AND ASSOCIATES | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | AMERICAN UNITED LIFE INSURANCE COMPANY | $39K | $2K | $41K | 26.36% |
| JODY STIVERS HOLLAND STIVERS & ASSO3 Filed as: JODY STIVERS | HOLLAND STIVERS ASSOCIATES LLC 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 9.99% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOCIATES | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | VISION SERVICE PLAN | $1K | — | $1K | 5.18% |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 475 | $91K |
| Vision | VISION SERVICE PLAN | 313 | $23K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 403 | $155K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 403 | $155K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 403 | $155K |
| Other(2 contracts, 2 carriers) | STANDARD LIFE AND ACCIDENT | 403 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.