| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $428K | $64K | $493K | 11.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $150K | — | $150K | 4.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 543 S EVANS ST GREENVILLE, NC 27858 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $59K | — | $59K | 9.21% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | MAGELLAN HEALTHCARE | $36K | — | $36K | 25.00% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB & T INSURANCE SERVICES | STE 2400 2000 CENTER POINT RD COLUMBIA, SC 29210 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $3K | — | $3K | 2.84% |
| DELVETO JOHNS4 | 1579 CEDAR ST NICEVILLE, FL 32578 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $32 | — | $32 | 0.03% |
| TRACY HENSON TUTOR4 Filed as: TRACY H TUTOR | 2879 FOSTER DALE CV GERMANTOWN, TN 38138 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $29 | — | $29 | 0.03% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $26 | — | $26 | 0.02% |
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 | 11,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 12,675 | $3.1M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 12,204 | $643K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,304 | $4.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,304 | $4.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,304 | $4.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,457 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,675 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.