| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | $36K | $8K | $44K | 1.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 WEST VINE STREET SUITE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 17.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 WEST VINE STREET SUITE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $927 | $7K | 17.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 WEST VINE STREET SUITE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $380 | $2K | 17.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 WEST VINE STREET SUITE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $845 | $105 | $950 | 16.86% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 452 | $3.7M |
| Dental | DELTA DENTAL OF KENTUCKY | 460 | $137K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 452 | $3.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $86K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $38K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 307 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.