| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 1.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F, MAIL CODE 534-01-01-15 GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $34 | $7K | 7.83% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F, MAIL CODE 534-01-01-15 GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72 | $72 | 0.08% |
| MCGRIFF INSURANCE SERVICES INC3 | 38 ROUSS AVENUE SUITE 100 WINCHESTER, VA 22601 | THE DENTAL CONCERN, INC. | $4K | — | $4K | 6.31% |
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 | 1,291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,350 | $339K |
| Vision | THE DENTAL CONCERN, INC. | 443 | $68K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,291 | $87K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,291 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,350 | — |
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.