| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS EMP SOL | — | INSURANCE CARRIER NAME NOT LISTED | $7K | $2K | $9K | 11.13% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | INSURANCE CARRIER NAME NOT LISTED | $2K | $0 | $2K | 1.84% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 7.44% |
| RSC INSURANCE BROKERAGE INC3 | DBA RISK STRATEGIES COMPANY PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT COMPANY | $916 | $3 | $919 | 3.42% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT COMPANY | $536 | $37 | $573 | 2.13% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT COMPANY | $275 | $10 | $285 | 1.06% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DR KEVIL, KY 42053 | COLONIAL LIFE & ACCIDENT COMPANY | $109 | $0 | $109 | 0.41% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DR BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT COMPANY | $95 | $0 | $95 | 0.35% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DR HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT COMPANY | $71 | $0 | $71 | 0.26% |
| VIOLET P COOTS3 | 1410 WHALEN RD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT COMPANY | $70 | $0 | $70 | 0.26% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT COMPANY | $39 | $1 | $40 | 0.15% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 209 | $57K |
| Life insurance | INSURANCE CARRIER NAME NOT LISTED | 137 | $85K |
| Long-term disability | INSURANCE CARRIER NAME NOT LISTED | 137 | $85K |
| Stop-loss / reinsurancereinsurance | NOVA HEALTHCARE ADMINISTRATORS, INC | 110 | $393K |
| Other(2 contracts, 2 carriers) | INSURANCE CARRIER NAME NOT LISTED | 137 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.