| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3201 BEECHLEAF CT STE 200 550 S CALDWELL ST RALEIGH, NC 27604 | RELIASTAR LIFE INSURANCE COMPANY | $62K | — | $62K | 10.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $35K | — | $35K | 5.89% |
| 4MYBENEFITS, INC.3 | 4600 MCAULEY PL STE 250 STE 331 BLUE ASH, OH 45242 | RELIASTAR LIFE INSURANCE COMPANY | — | $16K | $16K | 2.62% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $9K | $9K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $22K | — | $22K | 5.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 150 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $15K | — | $15K | 4.06% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 276123908 | HUMANA | $3K | — | $3K | 4.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | HUMANA | $2K | — | $2K | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGY LLC | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | HUMANA | $498 | — | $498 | 0.85% |
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 | 759 | 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) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,151 | $366K |
| Vision | HUMANA | 536 | $59K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,198 | $593K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,198 | $593K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,198 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.