| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $2K | $28K | 1.87% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.25% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | THE DENTAL CONCERN, INC. | $5K | — | $5K | 1.97% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.00% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 25.66% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 16.75% |
| JODY STIVERS HOLLAND STIVERS & ASSO3 Filed as: JODY WAYNE STIVERS | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 9.59% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $838 | $3K | 9.32% |
| VIOLET P COOTS3 | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $757 | $3K | 8.78% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $495 | $2K | 5.09% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 0.68% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | VISION SERVICE PLAN | $1K | — | $1K | 5.11% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.7M |
| Dental | THE DENTAL CONCERN, INC. | 104 | $232K |
| Vision | VISION SERVICE PLAN | 101 | $24K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $77K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $24K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.