| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | SUITE 1800 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | — | $63K | 7.46% |
| AGIS NETWORK INSURANCE SERVICE3 | SUITE 17100 1 BEACON STREET BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 5.97% |
| KAY C. NOBLES3 Filed as: KAY C NOBLES | 4305 WINDWILLOW CT FORT WORTH, TX 76137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $23K | — | $23K | 2.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $16K | — | $16K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $10K | $22K | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $10K | $19K | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $7K | $14K | 4.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PARKWAY #200 LOUISVILLE, KY 40223 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $10K | — | $10K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $12K | $3K | $15K | 12.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $7K | $2K | $8K | 12.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | SUITE 1800 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 12.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PKWY #200 LOUISVILLE, KY 40223 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $501 | $1K | $2K | 7.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $463 | $1K | $2K | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | SUITE 1800 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PKWY #200 LOUISVILLE, KY 40223 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $104 | — | $104 | 5.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PKWY #200 LOUISVILLE, KY 40223 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $17 | — | $17 | 4.74% |
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 | 1,547 | 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) | 1,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,465 | $788K |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 1,561 | $239K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,536 | $611K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 670 | $452K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,386 | $331K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,804 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,465 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.