| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $7K | $4K | $11K | 8.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1104 AMHERST STREET WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $0 | $6K | $6K | 4.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY INC. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Contract Administrator; Float revenue; Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Other commissions Service code 12 | — | $1.2M |
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 CONTRACT ADMINISTRATOR | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $631K |
| HUMANA INSURANCE COMPANY EIN 39-1263473 CONTRACT ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services; Accounting (including auditing) Service code 10 | — | $475K |
| HIGHMARK BLUE CROSS BLUE SHIELD WV EIN 55-0624615 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $154K |
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 | 3,818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 6,831 | $122K |
| Vision(2 contracts, 2 carriers) | THE DENTAL CONCERN, INC. | 6,831 | $254K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 6,831 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,831 | — |
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.