| 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 | $8K | 16.87% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $805 | $2K | 6.19% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $834 | $187 | $1K | 2.70% |
| RSC INSURANCE BROKERAGE INC3 | DBA RISK STRATEGIES COMPANY PADUCAH, KY 42001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $932 | $9 | $941 | 2.49% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $421 | $0 | $421 | 1.11% |
| JODY DAN BRYANT3 | 1429 MOUNT AYR CIR BOWLING GREEN, KS 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $0 | $239 | 0.63% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DR BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $234 | $0 | $234 | 0.62% |
| VIOLET P COOTS3 | 1410 WHALEN RD BOWLING GREEN, KY 42101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.32% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DR HOPKINSVILLE, KY 42240 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $0 | $100 | 0.26% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BND OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.12% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.06% |
| JEFFREY WANN3 | 513 E EAGLE PASS RD ELIZABETHTOWN, KY 42701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 10.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF KENTUCKY | $1K | $0 | $1K | 10.16% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 122 | $32K |
| Vision | DELTA DENTAL OF KENTUCKY | 139 | $10K |
| Life insurance | AUL ONE AMERICA | 161 | $46K |
| Stop-loss / reinsurancereinsurance | NOVA HEALTHCARE ADMINISTRATIORS, INC | 86 | $216K |
| Other(2 contracts, 2 carriers) | AUL ONE AMERICA | 161 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.