| 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. | $36K | — | $36K | 1.99% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GRP DBA INS SPECIALIST | 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $18K | $594 | $19K | 1.05% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES LLC | 2600 OLIVET CHURCH RD STE 1 PADUCAH, KY 420019703 | THE DENTAL CONCERN, INC. | $3K | $0 | $3K | 3.96% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 421043375 | THE DENTAL CONCERN, INC. | $2K | $0 | $2K | 2.03% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER SLTNS LLC | 2660 OLIVET CHURCH RD STE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.03% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHEN INSURANCE GROUP INC | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.97% |
| HOLLANSTIVERS EMLOYER SLTNS LLC3 | 2660 OLIVET CHURCH RD STE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.85% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.15% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER SLTNS LLC | 2660 OLIVET CHURCH RD STE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.92% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHEN INSURANCE GROUP INC | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.08% |
| HOLLANSTIVERS EMLOYER SLTNS LLC3 Filed as: HOLLANSTIVERS EMPLOYER SOLUNTIONS L | 2660 OLIVET CHURCH RD PADUCAH, KY 42001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.27% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $574 | $2K | 4.56% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $652 | $152 | $804 | 2.15% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $378 | $36 | $414 | 1.10% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $323 | $0 | $323 | 0.86% |
| VIOLET P COOTS3 | 1410 WHALEN RD BOWLING GREEN, KY 42101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $234 | $0 | $234 | 0.62% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DR KEVIL, KY 42053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.11% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.07% |
| JODY STIVERS HOLLAND STIVERS & ASSO3 Filed as: JODY WAYNE STIVERS | 2660 OLIVET CHURCH RD PADUCAH, KY 42001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.05% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER SLTNS LLC | 2660 OLIVET CHURCH RD STE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.01% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHEN INSURANCE GROUP INC | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $738 | $0 | $738 | 2.99% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS L3 | 2260 OLIVET CHURCH RD STE 1 PADUCAH, KY 420019703 | VISION SERVICE PLAN | $809 | $0 | $809 | 3.36% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP DBA VAN METER IN | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 421043375 | VISION SERVICE PLAN | $426 | $0 | $426 | 1.77% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $41 | $0 | $41 | 0.17% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 99 | $1.8M |
| Dental | THE DENTAL CONCERN, INC. | 106 | $78K |
| Vision | VISION SERVICE PLAN | 102 | $24K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $84K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $25K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
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.