| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $54K | — | $54K | 2.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $41K | — | $41K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY 3130 | CROW CANYON PL STE 400 SAN RAMON, CA 94583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161K | — | $161K | 15.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 SUITE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $86K | $86K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $135K | — | $135K | 15.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 SUITE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $72K | $72K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $125K | — | $125K | 15.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $67K | $67K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 2.39% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W. STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89K | $27K | $115K | 22.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 6.77% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $13K | $17K | 3.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $10K | $23K | $33K | 7.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, TX 75251 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $26K | — | $26K | 6.13% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58K | $18K | $76K | 23.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 6.77% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 89620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $10K | $13K | 3.86% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $17K | $70K | 23.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $10K | $30K | 9.90% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.74% |
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 | 3,870 | 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) | 3,870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 6,767 | $1.9M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 5,753 | $422K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,834 | $1.1M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,316 | $899K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,151 | $836K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,834 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,767 | — |
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.