| 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 | 1.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 402235151 | HUMANA HEALTH PLAN, INC. | — | $16K | $16K | 0.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 10.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $13K | — | $13K | 8.42% |
| ASSURANCE AGENCY LTD3 Filed as: MANHATTAN LIFE ASSURANCE COMPANY | 10777 NW FWY HOUSTON, TX 77092 | MANHATTANLIFE INSURANCE COMPANY | $277 | — | $277 | 0.89% |
| BB&T INSURANCE SERVICES, INC.3 | 200 W VINE STREET SUITE 300 LEXINGTON, KY 40507 | AMERICAN GENERAL LIFE COMPANIES | $5K | — | $5K | 17.50% |
| CORBY C. BURUS3 Filed as: CORBY C BURUS | 340 WHITFIELD DRIVE LEXINGTON, KY 40515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $412 | — | $412 | 7.69% |
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 | 419 | 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) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 320 | $2.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 713 | $151K |
| Vision | HUMANA HEALTH PLAN, INC. | 320 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 658 | $320K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 658 | $290K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 658 | $290K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 658 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.