| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 5.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $9K | $12K | 11.97% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $230 | $2K | $2K | 2.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | — | $8K | 13.81% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $672 | $663 | $1K | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 13.71% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $458 | $443 | $901 | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 13.69% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $277 | $277 | $554 | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $650 | $650 | 3.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $960 | — | $960 | 15.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $253 | $253 | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $94 | — | $94 | 13.78% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $9 | $9 | $18 | 2.64% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 259 | $100K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 138 | $15K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 196 | $132K |
| Short-term disability(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 59 | $22K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 196 | $57K |
| Other(4 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 196 | $155K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.