| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY INC | $98K | — | $98K | 1.97% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF KENTUCKY INC | $41K | — | $41K | 0.83% |
| BENEFIT COMPANY INC OF SC3 Filed as: BENEFIT COMPANY INC OF S CAROLINA | PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF KENTUCKY INC | $8K | — | $8K | 0.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $20K | — | $20K | 5.94% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 ST LOUIS, MO 63105 | DELTA DENTAL OF KENTUCKY | $10K | — | $10K | 3.10% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 0.58% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INS CO | $15K | $5K | $20K | 14.61% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INS CO | $0 | $5K | $5K | 4.00% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INS CO | $5K | — | $5K | 3.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC 2XFK0 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 19.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC - 3BK00 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.58% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29229 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.05% |
| ZACHERY A CULLEN3 | 4008 ROYALE CIR LANCASTER, CA 93536 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INS CO | $12K | $4K | $16K | 14.52% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INS CO | $0 | $4K | $4K | 4.00% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INS CO | $4K | $0 | $4K | 3.78% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INS CO | $6K | $2K | $8K | 14.14% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INS CO | $0 | $2K | $2K | 4.00% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INS CO | $2K | — | $2K | 3.84% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INS CO | $6K | $2K | $7K | 14.16% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INS CO | $0 | $2K | $2K | 4.00% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INS CO | $2K | $0 | $2K | 4.00% |
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 | 760 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 1,400 | $5.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,487 | $338K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY INC | 1,400 | $5.0M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INS CO | 1,045 | $109K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 228 | $134K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INS CO | 380 | $109K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INS CO | 1,045 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,487 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.