| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $112K | $112K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 277038046 | PRINCIPAL LIFE INSURANCE COMPANY | $43K | $0 | $43K | 3.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | COMMISSIONS PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $78K | $0 | $78K | 7.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 277038046 | RELIASTAR LIFE INSURANCE COMPANY | $32K | $0 | $32K | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 292216486 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $14K | $30K | 9.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $21K | $0 | $21K | 10.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, KY 37204 | TRUSTMARK INSURANCE COMPANY (LIFE) | $5K | $0 | $5K | 4.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $1K | $0 | $1K | 1.46% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $623 | $0 | $623 | 0.63% |
| CRAIG ROWE3 | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY (LIFE) | $93 | $0 | $93 | 0.09% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | ZURICH AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 14.59% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | BANNER LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | BANNER LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.93% |
| TENNESSEE BROKERAGE AGENCY3 | PO BOX 11767 KNOXVILLE, TN 37919 | BANNER LIFE INSURANCE COMPANY | $553 | $0 | $553 | 1.07% |
| LIFEMARK PARTNERS INC3 | 1306 CONCOURSE DRIVE, STE 350 LINCOLN HEIGHTS, MD 21090 | BANNER LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.13% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 402235177 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $426 | $4K | 8.32% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY FLANAGAN, JR | 4350 CONGRESS ST, STE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $649 | $2K | 3.42% |
| ADVANTAGE CAPITAL INSURANCE AGENCY3 | 2300 WINDY RIDGE PKWY SE STE 1100 ATLANTA, GA 303395665 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.03% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | MAGELLAN BEHAVIORAL HEALTH | $2K | $0 | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY, STE 200 LOUISVILLE, KY 40223 | SHELTERPOINT LIFE INSURANCE COMPANY | $290 | $0 | $290 | 19.81% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $76 | $0 | $76 | 5.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $13 | $0 | $13 | 0.97% |
| CRAIG ROWE3 | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY | $11 | $0 | $11 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 CLAIMS PROCESSOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Other services Service code 12 | — | $1.2M |
| MCGRIFF INSURANCE SERVICES INC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $136K |
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 | 2,573 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTPORT INSURANCE CORPORATION | 2,472 | $409K |
| Dental | DELTA DENTAL OF KENTUCKY | 3,238 | $982K |
| Vision | VISION SERVICE PLAN | 1,706 | $209K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,213 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,213 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,213 | $1.2M |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 2,055 | $367K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,213 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,238 | — |
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.