| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 932330 ATLANTA, GA 311932330 | PRINCIPAL LIFE INSURANCE COMPANY | — | $99K | $99K | 6.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $53K | $21K | $74K | 4.99% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 327654508 | PRINCIPAL LIFE INSURANCE COMPANY | — | $37K | $37K | 2.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 276041547 | DELTA DENTAL OF KENTUCKY | $98K | — | $98K | 7.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $87K | — | $87K | 16.30% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 OVIEDO, FL 32765 | RELIASTAR LIFE INSURANCE COMPANY | $42K | $5K | $47K | 8.80% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $16K | $16K | 3.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $23K | — | $23K | 7.47% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | ZURICH AMERICAN INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | STE 1800 7701 AIRPORT CENTER DR GREENSBORO, NC 274099047 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 11.84% |
| DANIEL F MCCARTHY3 | 100 PEARL ST FL 3 W TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $6K | $7K | 7.07% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY C FLANAGAN | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.18% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $129 | $502 | $631 | 0.60% |
| NICHOLAS J ORPHAN3 | 505 WINFIELD GLEN CT NE ATLANTA, GA 303421400 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $36 | — | $36 | 0.03% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY (LIFE) | $2K | — | $2K | 3.98% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD - SUITE F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $451 | — | $451 | 0.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD - SUITE F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $450 | — | $450 | 0.87% |
| CRAIG ROWE3 Filed as: CRAIG K ROWE | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY (LIFE) | $52 | — | $52 | 0.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 276041547 | MAGELLAN BEHAVIORAL HEALTH | $2K | — | $2K | 5.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $67 | — | $67 | 5.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD - SUITE F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $11 | — | $11 | 0.88% |
| CRAIG ROWE3 Filed as: CRAIG K ROWE | 422 SIMS LN FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY | $10 | — | $10 | 0.80% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | BANNER LIFE INSURANCE COMPANY | $9 | — | $9 | 1.21% |
| TENNESSEE BROKERAGE AGENCY3 | 6508 BAUM DR KNOXVILLE, TN 37919 | BANNER LIFE INSURANCE COMPANY | $7 | — | $7 | 0.94% |
| LIBRA INSURANCE PARTNERS3 | 1306 CONCOURSE DRIVE STE 350 LINTHICUM, MD 21090 | BANNER LIFE INSURANCE COMPANY | $2 | — | $2 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 CLAIMS PROCESSOR | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $2.2M |
| MCGRIFF INSURANCE SERVICES INC INSURANCE BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 5130 PARKWAY PLAZA BLVD. CHARLOTTE, NC 28217 | $336K |
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 | 3,253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,253 | 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. | 3,961 | $507K |
| Dental | DELTA DENTAL OF KENTUCKY | 3,885 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,285 | $306K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,287 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,287 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,287 | $1.6M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 3,881 | $458K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,253 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,287 | — |
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.