| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOCIATES, LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | HUMANA HEALTH PLAN, INC. | $54K | $2K | $56K | 1.49% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER | SOLUTIONS, LLC 2660 OLIVET CHURCH ROAD PADUCAH, KY 420019703 | AMERICAN UNITED LIFE INSURANCE COMPANY | $35K | — | $35K | 10.23% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES, LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 420019703 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 0.81% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER | SOLUTIONS, LLC 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | DELTA DENTAL OF KENTUCKY | $12K | — | $12K | 5.79% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES, LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 2.99% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER | SOLUTIONS, LLC 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 5.69% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOCIATES, LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | DELTA DENTAL OF KENTUCKY | $719 | — | $719 | 2.24% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS EMPLOYER | SOLUTIONS, LLC 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | AFLAC | $1K | — | $1K | 14.68% |
| KAREN M STONE3 Filed as: KAREN M. STONE | 567 LAKE SCENE DRIVE EDDYVILLE, KY 42038 | AFLAC | $694 | — | $694 | 9.44% |
| JUSTYN C MELENDEZ3 Filed as: JUSTYN C. MELENDEZ | 5260 PARKSIDE DRIVE #3D PADUCAH, KY 42001 | AFLAC | $681 | — | $681 | 9.27% |
| OLIVIA FAITH BYARS3 | 9362 US HIGHWAY 68 E BENTON, KY 42025 | AFLAC | $457 | — | $457 | 6.22% |
| TERRY D TURNER3 Filed as: TERRY D. TURNER | P.O. BOX 306 GILBERTSVILLE, KY 42044 | AFLAC | $347 | — | $347 | 4.72% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $313 | — | $313 | 4.26% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $242 | — | $242 | 3.29% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC. | P.O. BOX 427 BENTON, KY 42025 | AFLAC | $43 | — | $43 | 0.59% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 274 | $3.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 699 | $201K |
| Vision | DELTA DENTAL OF KENTUCKY | 662 | $32K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 301 | $338K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 301 | $338K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 301 | $338K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 301 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.