| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $14K | — | $14K | 9.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON ST., SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 0.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 550 SOUTH CALDWELL ST., SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $10K | — | $10K | 8.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON ST., SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 16.85% |
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 | 462 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 462 | $154K |
| Vision | DELTA DENTAL OF KENTUCKY | 393 | $123K |
| Life insurance | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | 176 | $44K |
| Short-term disability | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | 176 | $44K |
| Long-term disability | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | 176 | $44K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 290 | $623K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.