| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KY, INC. | $54K | — | $54K | 2.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KY, INC. | $13K | $8K | $22K | 0.92% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.76% |
| 4MYBENEFITS, INC.3 Filed as: 4MYBENEFITS INC | 4600 MCAULEY PL STE 250 BLUE ASH, OH 45242 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.64% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.79% |
| 4MYBENEFITS, INC.3 Filed as: 4MYBENEFITS INC | 4600 MCAULEY PL STE 250 BLUE ASH, OH 45242 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.72% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.62% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.10% |
| 4MYBENEFITS, INC.3 Filed as: 4MYBENEFITS INC | 4600 MCAULEY PL STE 250 BLUE ASH, OH 45242 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $686 | — | $686 | 7.24% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $263 | — | $263 | 2.78% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 364 | $2.4M |
| Dental | ANTHEM HEALTH PLANS OF KY, INC. | 364 | $2.4M |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 364 | $2.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 130 | $80K |
| Short-term disability | STANDARD INSURANCE COMPANY | 130 | $38K |
| Long-term disability | STANDARD INSURANCE COMPANY | 130 | $40K |
| Other | STANDARD INSURANCE COMPANY | 130 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.