| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 23127 COLUMBIA, SC 29224 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $33K | — | $33K | 0.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBOO, NC 27409 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $10K | $12K | $22K | 0.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $19K | — | $19K | 0.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $763 | $18K | 9.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.87% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 23127 COLUMBIA, SC 292243127 | METROPOLITAN LIFE INSURANCE COMPANY | — | $305 | $305 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 2.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 2.09% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO. INC. | PO BOX 23127 COLUMBIA, SC 29224 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 0.90% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 23127 COLUMBIA, SC 29224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NC | 530 N TRADE STREET NW WINSTON SALEM, NC 27101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.09% |
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 | 680 | 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) | 682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 524 | $4.7M |
| Dental | DELTA DENTAL OF KENTUCKY | 560 | $132K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 524 | $4.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $191K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $191K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $191K |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,091 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,091 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.