| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 38 ROUSS AVENUE WINCHESTER, VA 22601 | HUMANA | $50K | $5K | $55K | 1.46% |
| BENEFIT COMPANY INC OF SC3 Filed as: BENEFIT COMPANY, INC. OF SC | P.O. BOX 211486 COLUMBIA, SC 29221 | HUMANA | $31K | $4K | $35K | 0.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. L | 2600 EASTPORT PKWY LOUISVILLE, KY 40223 | HUMANA | — | $20K | $20K | 0.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $3K | $37K | 16.65% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 3.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.29% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO. INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 1.09% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 7.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 6.84% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS, LLC. | P.O. BOX 25172 WINSTON SALEM, NC 27114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161 | — | $161 | 0.17% |
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 | 689 | 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) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 465 | $3.7M |
| Dental | DELTA DENTAL OF KENTUCKY | 569 | $133K |
| Vision | HUMANA | 465 | $3.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,234 | $225K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,234 | $225K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,234 | $225K |
| Other(3 contracts, 3 carriers) | HUMANA | 1,234 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,234 | — |
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.