| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 5.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 2.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 1.77% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DR. LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $833 | — | $833 | 6.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 282023313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $699 | — | $699 | 5.38% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KS 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $490 | — | $490 | 3.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $369 | — | $369 | 2.84% |
| SUSAN M. HINKLE3 Filed as: SUSAN MARIE HINKLE | 283 HYDE PARK LANE CORBIN, KY 40701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.96% |
| REBEKAH SMALLWOOD3 | 61 BUCKFIELD RD. PIKEVILLE, KY 41501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.59% |
| BRENT D HUTCHINSON3 | 1450 N BROADWAY LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.52% |
| ANNE T. ALTIERI3 Filed as: ANNE TAVENNER ALTIERI | 1033 WHITEHALL PLACE LEXINGTON, KY 40517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.36% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.14% |
| VELOCITY BENEFITS3 | 119 NORTHBROOKE TRACE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| JOSHUA C BURTON3 | 12140 MANOR WALK DR GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR. LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| RUEANN EMERSON3 Filed as: RUEANN MARIE EMERSON | 142 NE 1ST ST OAK ISLAND, NC 284656835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| KRISTIANNA JEAN FLY3 | 3081 N MIDDLETOWN RD PARIS, KY 40361 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| ANNE TAVENNER STULTZ3 | 1033 WHITEHALL PLACE LEXINGTON, KY 40517 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$9 | — | -$9 | -0.07% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 520 | $180K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 272 | $258K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 272 | $258K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.