| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLANDSTIVERS EMP SOL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $2K | $8K | 14.03% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD DIANE SOUSAN LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 3.68% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLANDSTIVERS EMP SOL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 10.71% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD DIANE SOUSAN LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 9.09% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY, INC. | — | TELADOC | $1K | — | $1K | 14.99% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLANDSTIVERS EMP SOL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $645 | — | $645 | 9.35% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLANDSTIVERS EMP SOL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $343 | — | $343 | 9.68% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY ROAD SUITE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $81 | — | $81 | — |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 145 | $43K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 133 | $12K |
| Life insurance(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 79 | $77K |
| Short-term disability(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 79 | $77K |
| Long-term disability(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 79 | $77K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE HCC | 101 | $241K |
| Other(5 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 180 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.