| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 932330 ATLANTA, GA 311932330 | PRINCIPAL LIFE INSURANCE COMPANY | $112K | — | $112K | 7.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $60K | $25K | $85K | 5.69% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $41K | — | $41K | 2.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 276041547 | DELTA DENTAL OF KENTUCKY | $82K | — | $82K | 5.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 277038046 | RELIASTAR LIFE INSURANCE COMPANY | $60K | $0 | $60K | 11.96% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $15K | $15K | 2.95% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 292216486 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $5K | $12K | 2.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 276041547 | VISION SERVICE PLAN | $27K | — | $27K | 8.50% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | ZURICH AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 402235177 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $6K | $23K | 24.45% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY FLANAGAN, JR | 4350 CONGRESS ST, STE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $7K | $8K | 8.35% |
| DANIEL F MCCARTHY3 | 100 PEARL ST FL 3 W TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $191 | $2K | 1.91% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.22% |
| ADVANTAGE CAPITAL INSURANCE AGENCY3 | 2300 WINDY RIDGE PKWY SE STE 1100 ATLANTA, GA 303395665 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY (LIFE) | $3K | $0 | $3K | 4.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $711 | $0 | $711 | 1.07% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $525 | $0 | $525 | 0.79% |
| CRAIG ROWE3 | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY (LIFE) | $62 | $0 | $62 | 0.09% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | BANNER LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.71% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4777 SHARON RD 4TH FLOOR CHARLOTTE, NC 28210 | BANNER LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.10% |
| TENNESSEE BROKERAGE AGENCY3 | 6508 BAUM DR KNOXVILLE, TN 37919 | BANNER LIFE INSURANCE COMPANY | $941 | $0 | $941 | 1.42% |
| LIBRA INSURANCE PARTNERS3 | 1306 CONCOURSE DRIVE STE 350 LINTHICUM, MD 21090 | BANNER LIFE INSURANCE COMPANY | $246 | $0 | $246 | 0.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 276041547 | MAGELLAN BEHAVIORAL HEALTH | $3K | — | $3K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY, STE 200 LOUISVILLE, KY 40223 | SHELTERPOINT LIFE INSURANCE COMPANY | $483 | $0 | $483 | 17.94% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $72 | $0 | $72 | 5.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $12 | $0 | $12 | 0.90% |
| 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 INC EIN 61-1237516 CLAIMS PROCESSOR | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.0M |
| MCGRIFF INSURANCE SERVICES INC INSURANCE BROKER | Non-monetary compensation; Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 223 W NASH ST WILSON, NC 27893 | $370K |
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 | 3,144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 4,042 | $551K |
| Dental | DELTA DENTAL OF KENTUCKY | 4,070 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,255 | $317K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,173 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,173 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,173 | $1.6M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 4,042 | $486K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,144 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,173 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.