| 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 | — | $297K | $297K | 10.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896624 | PRINCIPAL LIFE INSURANCE COMPANY | $118K | — | $118K | 4.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3150 SOUTH MAIN STREET HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | — | $18K | $18K | 0.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 210 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 0.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET STE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $116K | — | $116K | 7.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $18K | $18K | 1.55% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 OVIEDO, FL 327654508 | RELIASTAR LIFE INSURANCE COMPANY | $69K | $31K | $99K | 12.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $71K | — | $71K | 9.22% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $12K | $12K | 1.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $35K | — | $35K | 8.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | HEALTH ADVOCATE SOLUTIONS, INC. | $18K | — | $18K | 6.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | TRUSTMARK INSURANCE COMPANY (LIFE) | $18K | — | $18K | 11.56% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 - SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY (LIFE) | $11K | — | $11K | 7.29% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY (LIFE) | $731 | — | $731 | 0.47% |
| BB&T INSURANCE SERVICES, INC.3 | 3111 CAMINO DEL RIO N - SUITE 1100 SAN DIEGO, CA 92108 | TRUSTMARK INSURANCE COMPANY (LIFE) | $114 | — | $114 | 0.07% |
| CRAIG ROWE3 Filed as: CRAIG K ROWE | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | 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 | $19K | $12K | $31K | 20.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON ST FL 46 CHARLOTTE, NC 282021078 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $3 | $4K | 2.35% |
| DAVID C PORTER3 | 1600 1 MARINA PARK DR BOSTON, MA 022101832 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY C FLANAGAN | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.72% |
| DANIEL F MCCARTHY3 | 100 PEARL ST FL 3 W TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $584 | — | $584 | 0.39% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $79 | — | $79 | 0.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY SUITE 200 LOUISVILLE, KY 40223 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 20.61% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $49 | — | $49 | 5.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | TRUSTMARK INSURANCE COMPANY | $8 | — | $8 | 0.87% |
| CRAIG ROWE3 Filed as: CRAIG K ROWE | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $7 | — | $7 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 CLAIMS PROCESSOR | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $2.7M |
| MCGRIFF INSURANCE SERVICES INC INSURANCE BROKER | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 5130 PARKWAY PLAZA BLVD. CHARLOTTE, NC 28217 | $402K |
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 | 5,624 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVOCATE SOLUTIONS, INC. | 7,806 | $268K |
| Dental | DELTA DENTAL OF KENTUCKY | 5,538 | $1.7M |
| Vision | VISION SERVICE PLAN | 3,330 | $417K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 7,105 | $2.9M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 7,105 | $2.8M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 7,105 | $2.9M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 5,195 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,307 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,806 | — |
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.