| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $15K | $2K | $17K | 1.74% |
| BENEFIT CO INC OF SOUTH CAROLINA3 | PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | — | $7K | 0.73% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.08% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO INC | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $322 | — | $322 | 0.40% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $955 | $955 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $644 | $644 | 3.37% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $931 | $931 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $800 | $800 | 4.30% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $902 | $902 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $760 | $760 | 4.21% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $627 | $627 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $528 | $528 | 4.21% |
| MCGRIFF INSURANCE SERVICES INC3 | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107 | — | $107 | 10.03% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $53 | $53 | 4.97% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40 | $40 | 3.75% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 225 | $959K |
| Dental | DELTA DENTAL OF KENTUCKY | 237 | $80K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 225 | $959K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $13K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
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.