| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $7K | $12K | $19K | 8.45% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | HARTFORD LIFE AND ACCIDENT | $962 | $0 | $962 | 0.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 NORTH TRYON STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 3.32% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 2.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $1K | $0 | $1K | 1.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 436969 LOUISVILLE, KY 40253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.20% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.34% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 47 AIRPARK COURT GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $458 | $458 | 2.17% |
No Schedule C service providers reported on this filing.
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 370 | $109K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 437 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 310 | $230K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 310 | $230K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 310 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.