| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 5130 PARKWAY PLAZA BLVD CHARLOTTE, NC 28217 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $15K | $4K | $19K | 4.19% |
| BENEFIT COMPANY INC OF SC3 | PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $8K | — | $8K | 1.62% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.47% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $838 | $838 | 7.29% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $314 | — | $314 | 7.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $314 | — | $314 | 7.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 200 W. VINE STREET SUITE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $120 | $120 | 2.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $332 | — | $332 | 14.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $164 | $164 | 7.40% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $137 | — | $137 | 7.49% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $137 | — | $137 | 7.49% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 STE 300 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $51 | $51 | 2.79% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $523 | $523 | — |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | -$12 | $0 | -$12 | — |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 113 | $464K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 113 | $464K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 113 | $464K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 15 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $11K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.