| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMPANY INC OF SC3 Filed as: BENEFIT COMPANY, INC SOUTH CAROLINA | PO BOX 211486 COLUMBUS, SC 29221 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $124K | $0 | $124K | 2.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1104 AMHERST STREET WINCHESTER, VA 22601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $14K | $36K | $51K | 1.18% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $17K | $0 | $17K | 0.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 WEST VINE STREET, SUITE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $11K | $0 | $11K | 0.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $17K | $0 | $17K | 6.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 1.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $34 | $27K | 11.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $274 | $274 | 0.12% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBUS, SC 29229 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE, SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.61% |
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 | 1,098 | 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) | 1,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,201 | $4.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 927 | $260K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,201 | $4.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,607 | $236K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,607 | $236K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,607 | $236K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,201 | $4.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,607 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,607 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.