| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $118K | $33K | $151K | 20.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $44K | — | $44K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $25K | $20K | $46K | 10.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $17K | $986 | $18K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $20K | — | $20K | 5.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $14K | — | $14K | 4.17% |
| ACCRETIVE INSURANCE SOLUTIONS3 | 3900 KINROSS LAKES PKWY RICHFIELD, OH 44256 | SYMETRA LIFE INSURANCE COMPANY | $46K | — | $46K | 27.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $38K | — | $38K | 22.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $20K | $2K | $22K | 12.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | — | $855 | $855 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 5.81% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MC GRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET STE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.19% |
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 | 584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 816 | $751K |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,030 | $1.1M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 958 | $818K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $424K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $424K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $424K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 816 | $751K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,078 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,078 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.