| 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. | $97K | $72K | $170K | 0.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $83K | — | $83K | 6.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $213K | — | $213K | 49.15% |
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBIA, SC 29221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $801 | — | $801 | 0.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58K | — | $58K | 14.03% |
| PAYWFDS3 | 13100 MAGISTERIAL DRIVE SUITE 104 LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O.BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | — | $57K | 14.03% |
| PAYFWDS3 | 13100 MAGISTERIAL DRIVE SUITE 104 LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$611 | $13K | $12K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | — | $54K | 14.10% |
| PAYFWDS3 | 13100 MAGISTERIAL DRIVE SUITE 104 LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4K | $15K | $12K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 14.01% |
| PAYFWDS3 | 13100 MAGISTERIAL DRIVE SUITE 104 LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 3.00% |
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 | 3,581 | 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) | 3,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 6,028 | $25.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 6,188 | $1.2M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 6,028 | $25.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,058 | $411K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,477 | $386K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,326 | $408K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,779 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,188 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.