| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLANDSTIVERS EMPLOYER SOLUTIONS L3 | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420664200 | AUL ONE AMERICA | $6K | $1K | $7K | 17.20% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS L3 | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420664200 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 9.22% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF KENTUCKY | $270 | $0 | $270 | 0.78% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS L3 | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420664200 | DELTA DENTAL OF KENTUCKY | $1K | $0 | $1K | 9.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF KENTUCKY | $90 | $0 | $90 | 0.80% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 141 | $34K |
| Vision | DELTA DENTAL OF KENTUCKY | 159 | $11K |
| Life insurance | AUL ONE AMERICA | 140 | $42K |
| Stop-loss / reinsurancereinsurance | NOVA HEALTHCARE ADMINISTRATIORS, INC | 90 | $233K |
| Other | AUL ONE AMERICA | 140 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.