| 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 | $138K | $138K | 9.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $56K | $0 | $56K | 3.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | COMMISSIONS PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $92K | — | $92K | 6.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 277038046 | RELIASTAR LIFE INSURANCE COMPANY | $53K | $0 | $53K | 11.63% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 292216486 | RELIASTAR LIFE INSURANCE COMPANY | $23K | $18K | $41K | 9.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 276041547 | VISION SERVICE PLAN | $29K | — | $29K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | ZURICH AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 15.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, KY 37204 | TRUSTMARK INSURANCE COMPANY (LIFE) | $3K | $0 | $3K | 4.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $956 | $0 | $956 | 1.16% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $542 | $0 | $542 | 0.66% |
| CRAIG ROWE3 | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY (LIFE) | $66 | $0 | $66 | 0.08% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | MAGELLAN BEHAVIORAL HEALTH | $4K | — | $4K | 5.00% |
| ARTHUR BEARD3 | 2006 STARMONT ROAD LOUISVILLE, KY 40207 | BANNER LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.93% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | BANNER LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.74% |
| LIFEMARK PARTNERS INC3 | 1306 CONCOURSE DRIVE, STE 350 LINCOLN HEIGHTS, MD 21090 | BANNER LIFE INSURANCE COMPANY | $246 | $0 | $246 | 0.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 402235177 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $509 | $4K | 8.48% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY FLANAGAN, JR | 4350 CONGRESS ST, STE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $983 | $525 | $2K | 3.14% |
| ADVANTAGE CAPITAL INSURANCE AGENCY3 | 2300 WINDY RIDGE PKWY SE STE 1100 ATLANTA, GA 303395665 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY, STE 200 LOUISVILLE, KY 40223 | SHELTERPOINT LIFE INSURANCE COMPANY | $285 | $0 | $285 | 15.48% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $72 | $0 | $72 | 5.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $12 | $0 | $12 | 0.95% |
| CRAIG ROWE3 | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY | $11 | — | $11 | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 CLAIMS PROCESSOR | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $2.0M |
| MCGRIFF INSURANCE SERVICES INC INSURANCE BROKER | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | $344K |
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 | 3,798 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,798 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTPORT INSURANCE CORPORATION | 3,930 | $572K |
| Dental | DELTA DENTAL OF KENTUCKY | 4,455 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,448 | $288K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,686 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,686 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,686 | $1.5M |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 2,882 | $490K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,798 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,686 | — |
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.