| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC-LOUISVILLE | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | HUMANA HEALTH PLAN, INC. | $2K | $9K | $11K | 0.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 38 ROUSS AVE STE 100 WINCHESTER, VA 226014738 | HUMANA HEALTH PLAN, INC. | $9K | — | $9K | 0.77% |
| USI INSURANCE SERVICES LLC3 | SUITE 50 950 BRECKENRIDGE LANE LOUISVILLE, KY 402074675 | HUMANA HEALTH PLAN, INC. | $886 | — | $886 | 0.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 4.11% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.67% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896629 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.60% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.40% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $750 | $750 | 3.82% |
| MCGRIFF INSURANCE SERVICES INC3 | 38 ROUSS AVE STE 100 WINCHESTER, VA 226014738 | THE DENTAL CONCERN, INC. | $905 | — | $905 | 7.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC-LOUISVILLE | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | THE DENTAL CONCERN, INC. | $138 | $279 | $417 | 3.53% |
| USI INSURANCE SERVICES LLC3 | SUITE 50 950 BRECKENRIDGE LANE LOUISVILLE, KY 402074675 | THE DENTAL CONCERN, INC. | $91 | — | $91 | 0.77% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $799 | — | $799 | 9.60% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $449 | — | $449 | 5.40% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $321 | $321 | 3.86% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $320 | — | $320 | 10.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $159 | — | $159 | 4.97% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $115 | $115 | 3.60% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 232 | $1.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 239 | $50K |
| Vision | THE DENTAL CONCERN, INC. | 232 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $28K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $43K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 232 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.