| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $29K | — | $29K | 3.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $8K | — | $8K | 1.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 7.49% |
| STRATEGIC NON-MEDICAL SOLUTION3 | SUITE 17100 ONE BEACON STREET BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 5.99% |
| KAY C. NOBLES3 Filed as: KAY C NOBLES | 4305 WINDWILLOW CT FORT WORTH, TX 76137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $7K | $14K | 4.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $17K | $22K | 8.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $24K | $29K | 11.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PARKWAY #200 LOUISVILLE, KY 40223 | EYEMED VISION CARE | $12K | — | $12K | 6.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PKWY #200 LOUISVILLE, KY 40223 | EYEMED VISION CARE | $2K | — | $2K | 6.74% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $92 | $2K | 13.14% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE LLC DBA ALTMAN INS SV | 1246 S THIRD ST LOUISVILLE, KY 40203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $50 | $2K | 12.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $29 | $29 | 0.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM INSURANCE COMPANY | $729 | $129 | $858 | 11.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM INSURANCE COMPANY | $453 | $80 | $533 | 11.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM INSURANCE COMPANY | $237 | $42 | $279 | 11.77% |
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 | 1,450 | 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) | 1,450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,282 | $739K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,412 | $203K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,499 | $262K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 676 | $263K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,598 | $356K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,731 | $987K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,282 | — |
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.