| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KY, INC. | $40K | $10K | $50K | 1.09% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF KY, INC. | $6K | — | $6K | 0.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $37K | $9K | $46K | 12.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $16K | — | $16K | 8.50% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | WELLFLEET INSURANCE COMPANY | $10K | — | $10K | 8.25% |
| MANHATTAN LIFE - SEE ATTACHMENT3 Filed as: MANHATTAN LIFE INSURANCE & ANNUITY | 10777 NORTHWEST FREEWAY HOUSTON, TX 77092 | MANHATTANLIFE INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| CORBY C. BURUS3 Filed as: CORBY C BURUS | 340 WHITFIELD DRIVE LEXINGTON, KY 40515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 72.60% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 813 | $4.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 896 | $192K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 813 | $4.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 519 | $374K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 519 | $374K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 519 | $374K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 566 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.