| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD STE 300 DURHAM, NC 277038046 | RELIASTAR LIFE INSURANCE COMPANY | $71K | $0 | $71K | 14.38% |
| 4MYBENEFITS, INC.3 Filed as: 4MYBENEFITS, INC | 4665 COMELL RD STE 331 BLUE ASH, OH 452412455 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 2.67% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATION, | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 1.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3201 BEACHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $32K | — | $32K | 10.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 402235151 | THE DENTAL CONCERN, INC. | $5K | $316 | $5K | 10.54% |
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 | 593 | 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) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 938 | $300K |
| Vision | THE DENTAL CONCERN, INC. | 416 | $50K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,001 | $490K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,001 | $490K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,001 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,001 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.