| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 3.61% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 292216486 | DELTA DENTAL OF KENTUCKY | $311 | — | $311 | 0.37% |
| 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 | $2K | — | $2K | 10.00% |
| 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 | $2K | — | $2K | 10.00% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | P.O BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $767 | $767 | 5.00% |
| 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 | $2K | — | $2K | 10.00% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | P.O BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $759 | $759 | 5.00% |
| 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 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 38 ROUSS AVE. STE 100 WINCHESTER, VA 226014738 | THE DENTAL CONCERN, INC. | $928 | — | $928 | 9.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | THE DENTAL CONCERN, INC. | $518 | — | $518 | 5.50% |
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 | 164 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 243 | $85K |
| Vision | THE DENTAL CONCERN, INC. | 103 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $12K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.