| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE NATIONAL, INC | PO BOX 203383 DALLAS, TN 753203383 | RELIASTAR LIFE INSURANCE COMPANY | $24K | — | $24K | 5.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 2.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 277038046 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 1.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $632 | — | $632 | 0.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF KENTUCKY | $389 | — | $389 | 0.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 200 W CYPRESS CREEK RD #500 FORT LAUDERDALE, FL 33309 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $76K | $14K | $89K | 142.90% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | — | $7K | 11.32% |
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 | 1,194 | 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) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 813 | $224K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 761 | $63K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,712 | $441K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,712 | $441K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,712 | $441K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,712 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,712 | — |
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.