| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF KY, INC. | $27K | $5K | $32K | 3.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 7.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 1.66% |
| MCGRIFF INSURANCE SERVICES INC3 | 2280 E VICTORY DR SAVANNAH, GA 314043957 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.74% |
| PROTECT ENVIRONMENTAL LLC3 | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.60% |
| MCGRIFF INSURANCE SERVICES INC3 | 2280 E VICTORY DR SAVANNAH, GA 314043957 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.70% |
| PROTECT ENVIRONMENTAL LLC3 | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.85% |
| MCGRIFF INSURANCE SERVICES INC3 | 2280 E VICTORY DR SAVANNAH, GA 314043957 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.70% |
| PROTECT ENVIRONMENTAL LLC3 | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | — | $840 | $840 | 3.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $984 | — | $984 | 6.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $263 | — | $263 | 1.86% |
| MCGRIFF INSURANCE SERVICES INC3 | 2280 E VICTORY DR SAVANNAH, GA 314043957 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 51.84% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 199 | $1.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 198 | $78K |
| Vision | DELTA DENTAL OF KENTUCKY | 160 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 163 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 163 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 163 | $27K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 163 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.