| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 327654508 | PRINCIPAL LIFE INSURANCE COMPANY | — | $138K | $138K | 9.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896624 | PRINCIPAL LIFE INSURANCE COMPANY | $59K | — | $59K | 4.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $14K | $14K | 1.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 932330 ATLANTA, GA 311932330 | PRINCIPAL LIFE INSURANCE COMPANY | — | $12K | $12K | 0.90% |
| MCGRIFF INSURANCE SERVICES INC7 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 276041547 | DELTA DENTAL OF KENTUCKY | $98K | — | $98K | 7.55% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 OVIEDO, FL 32765 | RELIASTAR LIFE INSURANCE COMPANY | $171K | $24K | $196K | 32.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $175K | — | $175K | 28.82% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $8K | $8K | 1.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $30K | — | $30K | 9.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | ZURICH AMERICAN INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 736 MARKET ST #10 CHATTANOOGA, TN 374024807 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $202 | $6K | 5.45% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INSURANCE SERVICES INC | 4135 N FRONT ST HARRISBURG, PA 171101616 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.20% |
| DAVID C PORTER3 | 19 25 FLS 200 CLARENDON ST BOSTON, MA 02116 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.96% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY C FLANAGAN | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $1 | $3K | 2.44% |
| DANIEL F MCCARTHY3 | 100 PEARL ST FL 3 W TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $584 | — | $584 | 0.54% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $214 | — | $214 | 0.20% |
| NICHOLAS J ORPHAN3 | 505 WINFIELD GLEN CT NE ATLANTA, GA 303421400 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $40 | — | $40 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD - SUITE F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $38K | — | $38K | 74.57% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY (LIFE) | $38K | — | $38K | 74.08% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY (LIFE) | $1K | — | $1K | 2.15% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD - SUITE F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $234 | — | $234 | 0.45% |
| CRAIG ROWE3 Filed as: CRAIG K ROWE | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY (LIFE) | $32 | — | $32 | 0.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | SHELTERPOINT LIFE INSURANCE COMPANY | $618 | — | $618 | 12.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $49 | — | $49 | 4.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD - SUITE F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $8 | — | $8 | 0.76% |
| CRAIG ROWE3 Filed as: CRAIG K ROWE | 422 SIMS LN FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY | $7 | — | $7 | 0.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 CLAIMS PROCESSOR | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $2.4M |
| MCGRIFF INSURANCE SERVICES INC INSURANCE BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions; Insurance agents and brokers Service code 22 | 5130 PARKWAY PLAZA BLVD. CHARLOTTE, NC 28217 | $343K |
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 | 3,736 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 4,356 | $620K |
| Dental | DELTA DENTAL OF KENTUCKY | 4,181 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,418 | $321K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,740 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,740 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 4,740 | $1.5M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 4,054 | $487K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,737 | $730K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,740 | — |
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.