| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $33K | $3K | $36K | 1.51% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 9.13% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $8K | $11K | 13.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 3.94% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 3.96% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 4.08% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $958 | $958 | 3.65% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | EYEMED | $2K | — | $2K | 9.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 200 W. VINE STREET SUITE 300 LEXINGTON, KY 40507 | EYEMED | $156 | — | $156 | 0.82% |
| LUFT, RONALD L3 | 4837 CHELMSBURY LANE LEXINGTON, KY 40515 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.01% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 339 | $2.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 291 | $101K |
| Vision | EYEMED | 281 | $19K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 211 | $109K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 185 | $36K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 211 | $42K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 211 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.