| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 38 ROUSS AVE STE 100 WINCHESTER, VA 22601 | HUMANA HEALTH PLAN, INC. | $536 | — | $536 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE SUITE 50 LOUISVILLE, KY 402074675 | HUMANA HEALTH PLAN, INC. | $439 | — | $439 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2600 EASTPOINT PKWY. LOUISVILLE, KY 402235151 | HUMANA HEALTH PLAN, INC. | — | $63 | $63 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 200 W VINE ST. STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | MIDWEST KENTUCKY OPCO P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $879 | — | $879 | 4.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 200 W VINE ST. STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.79% |
| USI INSURANCE SERVICES LLC3 | MIDWEST KENTUCKY OPCO P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $976 | — | $976 | 6.21% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST. STE 300 LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $235 | — | $235 | 8.78% |
| USI INSURANCE SERVICES LLC3 | MIDWEST KENTUCKY OPCO P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $166 | — | $166 | 6.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD. SUITE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | — | $147 | $147 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC. | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $133 | $133 | — |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 149 | $1.1M |
| Dental | HUMANA HEALTH PLAN, INC. | 149 | $1.1M |
| Vision | HUMANA HEALTH PLAN, INC. | 149 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $18K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $21K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 149 | $1.1M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.