| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH RD SUITE 1 PADUCAH, KY 42001 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $37K | — | $37K | 2.55% |
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$3K | — | -$3K | -0.24% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS AND ASSOC LLC | 4975 ALBEN BARKLEY DR STE 1 PADUCAH, KY 42001 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$5K | — | -$5K | -0.38% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS AND ASSOC LLC | STE 1 PADUCAH, KY 42001 | AMERICAN UNITED LIFE INSURANCE COMPANY | $26K | $6K | $32K | 18.63% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH RD PADUCAH, KY 42001 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 9.07% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $497 | $6K | 10.99% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 | 2660 OLIVET CHURCH RD PADUCAH, KY 42001 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 9.05% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 226 | $1.5M |
| Dental | DELTA DENTAL OF KENTUCKY | 239 | $73K |
| Vision | DELTA DENTAL OF KENTUCKY | 259 | $15K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 219 | $174K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 219 | $174K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 219 | $174K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 219 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
No prospect flags tripped on this filing.