| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $408K | $3K | $410K | 9.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $136K | — | $136K | 5.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W. VINE STREET SUITE 300 LEXINGTON, KY 405071620 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | MAGELLAN HEALTHCARE | $35K | — | $35K | 24.84% |
| BB&T INSURANCE SERVICES, INC.4 | 2000 CENTER POINT ROAD SUITE 2400 COLUMBIA, SC 29210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $597 | — | $597 | 0.90% |
| MARY THERESA FISHER4 | 29C OWENS LANDING COURT PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $77 | — | $77 | 0.12% |
| KELLY HALL WIENING4 | 2835 FIR LANE SOUTH BEND, IN 46615 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $45 | — | $45 | 0.07% |
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 | 8,623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 11,217 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,909 | $538K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,222 | $4.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,222 | $4.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,222 | $4.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,025 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,025 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.