| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1104 AMHERST STREET WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $65K | $9K | $74K | 1.91% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P. O. BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $35K | — | $35K | 0.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $2K | $33K | 13.69% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 292216486 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 276123908 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 3.07% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 1.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 7.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27912 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 7.21% |
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 | 792 | 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) | 799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 847 | $3.9M |
| Dental | DELTA DENTAL OF KENTUCKY | 723 | $148K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 847 | $3.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,555 | $238K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,555 | $238K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,555 | $238K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,555 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,555 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.