| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42066 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $72K | — | $72K | 1.41% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42066 | DELTA DENTAL OF KENTUCKY | $24K | — | $24K | 9.90% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42066 | MUTUAL OF OMAHA INSURANCE COMPANY | $12K | $1K | $13K | 9.97% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42001 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | $857 | $10K | 10.02% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42066 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | $912 | $9K | 10.25% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42066 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | $722 | $8K | 10.07% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42066 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 9.87% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42066 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $252 | $3K | 9.94% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH ROAD PADUCAH, KY 42066 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $240 | $3K | 9.87% |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 675 | $5.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 766 | $240K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 749 | $5.1M |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 350 | $97K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 350 | $81K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 350 | $130K |
| Other(5 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 350 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.