| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC - | 7701 AIRPORT CENTER DRIVE, SUITE 1800 GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KY, INC. | $32K | $5K | $37K | 2.60% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 7.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 7.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 2.10% |
| HEATHER L MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $2K | $1K | $3K | 16.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 2525 HARRODSBURG RD STE 300 LEXINGTON, KY 40504 | AFLAC | $806 | — | $806 | 4.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | AFLAC | $634 | — | $634 | 3.28% |
| MARY CARMELA BERARDI3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $506 | $42 | $548 | 2.84% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40515 | AFLAC | $404 | $42 | $446 | 2.31% |
| BARBARA WAYNE3 | 577 SOUTHBROOK DR NICHOLASVILLE, KY 40356 | AFLAC | $316 | — | $316 | 1.64% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $70 | — | $70 | 0.36% |
| COCHRAN INSURANCE GROUP INC3 Filed as: COCHRAN INSURANCE SERVICES LLC | 517 RIDGE VIEW DR NICHOLASVILLE, KY 40356 | AFLAC | $63 | — | $63 | 0.33% |
| MELISSA ANN HINTON3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | AFLAC | $60 | — | $60 | 0.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 910610 LEXINGTON, KY 40591 | AFLAC | $53 | — | $53 | 0.27% |
| TYLER DECKER3 | 430 ENGINEER ST CORBIN, KY 40701 | AFLAC | $34 | — | $34 | 0.18% |
| JOHN SIDNEY HAWKINS3 | 3617 BEATEN PATH LEXINGTON, KS 40509 | AFLAC | $31 | — | $31 | 0.16% |
| DAVID A EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $29 | — | $29 | 0.15% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $22 | — | $22 | 0.11% |
| JESSICA SWICK3 | 1586 VAN BUREN DR LEXINGTON, KY 40511 | AFLAC | $17 | — | $17 | 0.09% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $9 | — | $9 | 0.05% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $4 | — | $4 | 0.02% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $3 | — | $3 | 0.02% |
| BRENT HUTCHINSON3 | 333 W VINE ST STE 300 LEXINGTON, KY 40507 | AFLAC | $3 | — | $3 | 0.02% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE RD LEXINGTON, KY 40502 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $1 | — | $1 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $1 | — | $1 | 0.01% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 218 | $1.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 205 | $101K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 218 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $120K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $120K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $120K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.