| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 5.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 4040 FINN WAY STE 360 LEXINGTON, KY 40517 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 200 W. VINE STREET SUITE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 200 W VINE STREET SUITE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 4040 FINN WAY LEXINGTON, KY 40517 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE STREET SUITE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 4040 FINN WAY STE 360 LEXINGTON, KY 40517 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 200 W. VINE STREET SUITE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $964 | $964 | 6.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $520 | $120 | $640 | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 4040 FINN WAY STE 360 LEXINGTON, KY 40517 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W. VINE STREET SUITE 300 LEXINGTON, KS 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $717 | $717 | 6.17% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 281 | $92K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 263 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $46K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.