| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $190K | $50K | $241K | 6.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 150 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $57K | — | $57K | 3.00% |
| BENEFIT CO INC OF SOUTH CAROLINA3 Filed as: BENEFIT CO INC THE | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $50K | — | $50K | 2.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 282023313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92K | — | $92K | 9.31% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91K | — | $91K | 9.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KY, INC. | $22K | $3K | $25K | 5.81% |
| STARLENA A ROBBINS3 | 853 EAST 4TH STREET PO BOX 1007 LONDON, KY 40743 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 35371 NETWORK PLACE - LOCKBOX CHICAGO, IL 60673 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 1.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 7701 AIRPORT CENTER DR #1800 GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 0.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 214 N TRYON ST CHARLOTTE, NC 28202 | METLIFE INSURANCE COMPANY | $21K | — | $21K | 6.76% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | METLIFE INSURANCE COMPANY | $21K | — | $21K | 6.76% |
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 | 3,659 | 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) | 3,659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 8,510 | $434K |
| Dental | DELTA DENTAL OF KENTUCKY | 8,980 | $1.9M |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 8,510 | $434K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,581 | $4.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 5,581 | $3.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,581 | $3.6M |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 8,510 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,980 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.