| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | HUMANA HEALTH PLAN, INC. | $27K | — | $27K | 1.67% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | LLC 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | HUMANA HEALTH PLAN, INC. | $26K | — | $26K | 1.61% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | THE DENTAL CONCERN, INC. | $2K | — | $2K | 3.37% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | LLC 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | THE DENTAL CONCERN, INC. | $2K | — | $2K | 3.20% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER SLTNS LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.46% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $828 | — | $828 | 1.54% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER SLTNS LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.44% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $704 | — | $704 | 1.56% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER SLTNS LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.57% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $526 | — | $526 | 1.43% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS L3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.44% |
| TED BENNETT3 Filed as: TED BENNET | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $946 | $528 | $1K | 4.13% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.53% |
| DEBORAH S GOLDEN0 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | $81 | $594 | 1.67% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $480 | $34 | $514 | 1.44% |
| VIOLET P COOTS3 | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $20 | $459 | 1.29% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | — | $458 | 1.28% |
| JODY STIVERS HOLLAND STIVERS & ASSO3 Filed as: JODY WAYNE STIVERS | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | — | $391 | 1.10% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $33 | $118 | 0.33% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $1 | $47 | 0.13% |
| BRANDON MARCELLO CENTO3 | 7060 OAKBAY DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $10 | $28 | 0.08% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER SLTNS LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.43% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $382 | — | $382 | 1.57% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | LLC 2660 OLIVET CHURCH ROAD, SUITE 1 PADUCAH, KY 420019703 | VISION SERVICE PLAN | $800 | — | $800 | 3.42% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | VISION SERVICE PLAN | $402 | — | $402 | 1.72% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 93 | $1.6M |
| Dental | THE DENTAL CONCERN, INC. | 103 | $70K |
| Vision | VISION SERVICE PLAN | 94 | $23K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $45K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $24K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.