| 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 | — | $207K | $207K | 9.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896624 | PRINCIPAL LIFE INSURANCE COMPANY | $83K | — | $83K | 3.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $14K | $14K | 0.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 0.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $81K | — | $81K | 5.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 276041547 | DELTA DENTAL OF KENTUCKY | $19K | — | $19K | 1.19% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 OVIEDO, FL 32765 | RELIASTAR LIFE INSURANCE COMPANY | $102K | $29K | $130K | 18.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $103K | — | $103K | 14.43% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $12K | $12K | 1.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $33K | — | $33K | 8.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | ZURICH AMERICAN INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD - SUITE F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $26K | — | $26K | 20.83% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY (LIFE) | $11K | — | $11K | 8.71% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY (LIFE) | $650 | — | $650 | 0.51% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD - SUITE F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $154 | — | $154 | 0.12% |
| CRAIG ROWE3 Filed as: CRAIG K ROWE | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY (LIFE) | $15 | — | $15 | 0.01% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INSURANCE SERVICES INC | 4135 N FRONT ST HARRISBURG, PA 171101616 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.89% |
| DAVID C PORTER3 | 1600 1 MARINA PARK DR BOSTON, MA 022101832 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $759 | $10K | $11K | 8.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 736 MARKET ST #10 CHATTANOOGA, TN 374024807 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $3 | $4K | 3.34% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY C FLANAGAN | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.16% |
| DANIEL F MCCARTHY3 | 100 PEARL ST FL 3 W TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $584 | — | $584 | 0.49% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $125 | — | $125 | 0.11% |
| NICHOLAS J ORPHAN3 | 505 WINFIELD GLEN CT NE ATLANTA, GA 303421400 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $44 | — | $44 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 15.16% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $49 | — | $49 | 4.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD - SUITE F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $8 | — | $8 | 0.81% |
| CRAIG ROWE3 Filed as: CRAIG K ROWE | 422 SIMS LN FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY | $7 | — | $7 | 0.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Contract Administrator Service code 12 | — | $2.3M |
| MCGRIFF INSURANCE SERVICES INC INSURANCE BROKER | Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 5130 PARKWAY PLAZA BLVD. CHARLOTTE, NC 28217 | $348K |
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 | 4,877 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,877 | 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. | 6,777 | $1.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 4,968 | $1.6M |
| Vision | VISION SERVICE PLAN | 2,924 | $384K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 6,072 | $2.4M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 6,072 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 6,072 | $2.4M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 4,606 | $786K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,877 | $880K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,777 | — |
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.