| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOC. INC. | SUITE 1 2660 OLIVET CHURCH RD. PADUCAH, KY 420019703 | HUMANA HEALTH PLAN, INC. | $23K | — | $23K | 2.51% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL B. ANDERSON | — | HUMANA HEALTH PLAN, INC. | $23K | — | $23K | 2.49% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOC. | SUITE 1 2660 OLIVET CHURCH RD. PADUCAH, KY 420019703 | THE DENTAL CONCERN, INC. | $3K | — | $3K | 7.53% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL B. ANDERSON | 11989 CAMPBELL ST. ARLINGTON, TN 38002 | THE DENTAL CONCERN, INC. | $3K | — | $3K | 7.45% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL B. ANDERSON | 5771 RAYBEN CIR. MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.81% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOC, LLC | 2660 OLIVET CHURCH RD. SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.71% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL B. ANDERSON | 5771 RAYBEN CIR. MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.03% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOC., LLC | 2660 OLIVET CHURCH RD. SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.64% |
| PAUL ANDERSON3 | — | VISION SERVICE PLAN | $483 | — | $483 | 3.29% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES | 2660 OLIVET CHURCH RD. SUITE 1 PADUCAH, KY 420019703 | VISION SERVICE PLAN | $433 | — | $433 | 2.95% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL B. ANDERSON | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.10% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOC., LLC | 2660 OLIVET CHURCH RD. SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $914 | — | $914 | 6.60% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOC., LLC | 2660 OLIVET CHURCH RD. SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $990 | — | $990 | 7.36% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL B. ANDERSON | 5771 RAYBEN CIR. MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $952 | — | $952 | 7.08% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 105 | $923K |
| Dental | THE DENTAL CONCERN, INC. | 105 | $40K |
| Vision | VISION SERVICE PLAN | 102 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $31K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $14K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.