| 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. | $34K | — | $34K | 0.88% |
| 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. | $18K | $14K | $31K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 2.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 2.13% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.63% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.53% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.64% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.51% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.43% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 39.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | -$3 | — | -$3 | -0.01% |
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 | 633 | 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) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 639 | $3.9M |
| Dental | DELTA DENTAL OF KENTUCKY | 705 | $156K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 639 | $3.9M |
| Life insurance | STANDARD INSURANCE COMPANY | 633 | $133K |
| Short-term disability | STANDARD INSURANCE COMPANY | 224 | $63K |
| Long-term disability | STANDARD INSURANCE COMPANY | 159 | $114K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 633 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.
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.