| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $10K | — | $10K | 10.86% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $9K | $11K | 13.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
| LUFT, RONALD L3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.15% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.11% |
| MCGRIFF INSURANCE SERVICES INC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | LINCOLN LIFE & ANNUNITY COMPANY OF NEW YORK | $197 | — | $197 | 14.99% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 238 | $97K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 223 | $14K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 180 | $120K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 74 | $24K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 180 | $50K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 180 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
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.