| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 200 W VINE STREET SUITE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $89K | $10K | $99K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 200 W VINE STREET SUITE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $65K | $10K | $75K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 200 W VINE STREET SUITE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | $10K | $65K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $184K | $39K | $224K | 13.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $107K | $24K | $131K | 13.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | — | $63K | 7.46% |
| AGIS NETWORK INSURANCE SERVICE3 | ONE BEACON STREET SUITE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 5.97% |
| KAY C. NOBLES3 Filed as: KAY, NOBLES | 4305 WINDWILLOW COURT FORT WORTH, TX 76137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7791 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $79K | $19K | $99K | 13.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 200 W VINE STREET SUITE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $6K | $10K | 3.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | SUITE 1800 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $2K | $42K | 13.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $2K | $41K | 13.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $123 | $123 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 200 W VINE STREET SUITE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $5K | $9K | 3.03% |
| ROBERT A. ERNST3 | 2305 RIVER ROAD LOUISVILLE, KY 40223 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.01% |
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 | 21,776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 169 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,945 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 21,653 | $7.4M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,143 | $5.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 18,442 | $4.4M |
| Other(8 contracts, 5 carriers) | UNUM INSURANCE COMPANY | 24,425 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,425 | — |
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.