| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE STE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 10.01% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD STE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 9.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 9.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 9.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.98% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOC LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $698 | — | $698 | 10.03% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $628 | — | $628 | 9.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $450 | — | $450 | 10.00% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $406 | — | $406 | 9.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $421 | — | $421 | 10.00% |
| HOLLANDSTIVERS ASSOC3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $380 | — | $380 | 9.02% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(13 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 225 | $510K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.