| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $36K | $18K | $54K | 1.48% |
| BENEFIT COMPANY INC OF SC3 Filed as: BENEFIT COMPANY, INC. OF SC | P.O. BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $29K | — | $29K | 0.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $3K | $36K | 16.44% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 3.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.35% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO. INC. | P.O. BOX 211486 COLUMBIA, SC 292216486 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 1.14% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29229 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.49% |
| 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 | $70 | — | $70 | 0.07% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.05% |
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 | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 570 | $3.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 592 | $123K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 570 | $3.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $216K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $216K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $216K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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.