| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 38 ROUSS AVENUE SUITE 100 WINCHESTER, VA 226014738 | HUMANA HEALTH PLAN, INC. | $36K | — | $36K | 1.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 402235151 | HUMANA HEALTH PLAN, INC. | — | $14K | $14K | 0.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $11K | — | $11K | 10.75% |
| GALLAGHER BENEFIT SERVICES, INC.5 Filed as: GALLAGER BENEFIT SERVICES INC. | P. O. BOX 40948 INDIANAPOLIS, IN 46240 | UNION SECURITY INSURANCE COMPANY | $5K | $1K | $7K | 25.00% |
| BB&T INSURANCE SERVICES, INC.3 | 200 WEST VINE STREET SUITE 300 LEXINGTON, KY 40507 | AMERICAN GENERAL LIFE COMPANIES | $4K | — | $4K | 17.50% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 253 | $2.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 529 | $105K |
| Vision | HUMANA HEALTH PLAN, INC. | 253 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 216 | $50K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 212 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.