| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 16.53% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, NC 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $182 | $182 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $13K | — | $13K | 5.47% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO INC | PO BOX 23127 COLUMBIA, SC 29224 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 1.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 282023313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 6.67% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 7 TECHNOLOGY CIRCLE, SUITE 250 SUITE 200 COLUMBIA, SC 29203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 5.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | $354 | $4K | 8.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | — | $1K | 2.63% |
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 | 781 | 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) | 781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 894 | $245K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 784 | $44K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 791 | $446K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 791 | $446K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 791 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 894 | — |
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.