| 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. | $20K | — | $20K | 2.06% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | HUMANA HEALTH PLAN, INC. | $9K | — | $9K | 0.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $0 | $8K | $8K | 0.83% |
| BENEFIT CO INC OF SOUTH CAROLINA3 | P.O. BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W. VINE ST, STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.69% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W. VINE STREET, STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.41% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $950 | $950 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W. VINE ST, STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $975 | $975 | 6.06% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $805 | $805 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W. VINE ST, STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD, STE F COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $977 | $977 | 7.40% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $660 | $660 | 5.00% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $1K | — | $1K | 10.59% |
| MARK C LAMAR3 Filed as: MARK LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $273 | — | $273 | 2.39% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 333 E. SHORT STREET, STE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $129 | — | $129 | 1.13% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEBROOK DRIVE, STE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $116 | — | $116 | 1.01% |
| TRACY LEFEBVRE3 | 735 WINSTON HILL DRIVE TAYLOR MILL, KY 41015 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $65 | — | $65 | 0.57% |
| GARY SCARTH3 | 206 LORELE DRIVE FAYETTEVILLE, OH 45118 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $60 | — | $60 | 0.52% |
| RUEANN EMERSON3 | 225 SOMERSLY PLACE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $49 | — | $49 | 0.43% |
| ELIZABETH HUNT3 Filed as: ELIZABETH BERRYMAN | 870 CORPORATE DRIVE LEXINGTON, KY 40391 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $21 | — | $21 | 0.18% |
| AARON ANTHONY3 Filed as: AARON WRIGHT | — | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $9 | — | $9 | 0.08% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | P.O. BOX 206 N MIDDLETOWN, KY 40357 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $6 | — | $6 | 0.05% |
| REGINA CALDWELL3 | 2046 SINKING CREEK ROAD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $6 | — | $6 | 0.05% |
| LAWRENCE FUGATE3 | 1600 HARRODSBURG ROAD LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $1 | — | $1 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 38 ROUSS AVE, STE 100 WINCHESTER, VA 22601 | THE DENTAL CONCERN, INC. | $644 | — | $644 | 6.94% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | THE DENTAL CONCERN, INC. | $283 | — | $283 | 3.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $0 | $225 | $225 | 2.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W. VINE ST, STE 300 LEXINGTON, KY 40507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $101 | — | $101 | 10.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $75 | $75 | 7.43% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $51 | $51 | 5.05% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 131 | $971K |
| Dental | DELTA DENTAL OF KENTUCKY | 237 | $87K |
| Vision | THE DENTAL CONCERN, INC. | 136 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $13K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $48K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.