| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | THE DENTAL CONCERN, INC. | $31K | $9K | $40K | 4.05% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $15K | — | $15K | 2.71% |
| MCGRIFF INSURANCE SERVICES INC3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $193 | $2K | 5.32% |
| RALPH E. SWALLOWS3 | KENTUCKY FINANCIAL GROUP 2200 GREENE WAY LOUISVILLE, KY 402204026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $861 | — | $861 | 2.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $162 | $2K | 6.20% |
| RALPH E. SWALLOWS3 | KENTUCKY FINANCIAL GROUP 2200 GREENE WAY LOUISVILLE, KY 402204026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $629 | — | $629 | 1.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $145 | $2K | 6.85% |
| RALPH E. SWALLOWS3 | KENTUCKY FINANCIAL GROUP 2200 GREENE WAY LOUISVILLE, KY 402204026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.77% |
| RALPH E. SWALLOWS3 | KENTUCKY FINANCIAL GROUP 2200 GREENE WAY LOUISVILLE, KY 40220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $761 | — | $761 | 4.10% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $548 | $36 | $584 | 3.15% |
| JAMES H. VAN EPPS3 | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $548 | $15 | $563 | 3.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $532 | — | $532 | 2.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $3K | $2K | $5K | — |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | THE DENTAL CONCERN, INC. | 287 | $1.5M |
| Dental(3 contracts, 2 carriers) | THE DENTAL CONCERN, INC. | 287 | $1.5M |
| Vision(3 contracts, 2 carriers) | THE DENTAL CONCERN, INC. | 287 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $34K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.