| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70K | — | $70K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $16K | $1K | $17K | 10.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 7.68% |
| BENEFACTOR INS GROUP INC3 Filed as: BENEFACTOR INSURANCE GROUP INC | 2165 CARTER AVE ASHLAND, KY 41101 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 2.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | HARTFORD FIRE INSURANCE COMPANY | $287 | $24 | $311 | 16.28% |
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 | 1,751 | 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) | 1,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 286 | $54K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,297 | $159K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,791 | $527K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,121 | $240K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 543 | $266K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,791 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,297 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.