| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MCMCGRIFF INSURANCE SERVICES INC. | 214 N TRYON STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 7.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 1.43% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.34% |
| 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 | 5.66% |
| BEVCAP MANAGEMENT LLC3 | 120 W VIRGINIA ST, STE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.39% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST, STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $849 | — | $849 | 3.60% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $101 | $2K | 10.37% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| 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 | $623 | — | $623 | 5.03% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.92% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W. VINE STREET SUITE 300 LEXINGTON, KS 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $621 | — | $621 | 5.08% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 358 | $98K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 306 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $46K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.