| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $10K | $24K | 3.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 7.50% |
| STRATEGIC NON-MEDICAL SOLUTION3 | SUITE 17100 ONE BEACON STREET BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 6.00% |
| KAY C. NOBLES3 Filed as: KAY C NOBLES | 4305 WINDWILLOW CT FORT WORTH, TX 76137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 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 | $11K | $8K | $19K | 3.46% |
| 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 | $12K | $19K | 5.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PARKWAY #200 LOUISVILLE, KY 40223 | EYEMED VISION CARE | $9K | — | $9K | 4.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM INSURANCE COMPANY | $10K | $2K | $12K | 12.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM INSURANCE COMPANY | $6K | $1K | $7K | 12.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM INSURANCE COMPANY | $3K | $703 | $4K | 12.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $572 | — | $572 | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 W VINE ST STE 300 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $553 | — | $553 | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2600 EASTPOINT PKWY #200 LOUISVILLE, KY 40223 | EYEMED VISION CARE | $1K | — | $1K | 5.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $42 | $2K | 12.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $22 | $2K | 12.63% |
| 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 | — | $13 | $13 | 0.07% |
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 | 1,512 | 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) | 1,512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 34,516 | $9.6M |
| Vision(2 contracts) | EYEMED VISION CARE | 1,497 | $202K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 42 | $709K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 689 | $539K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,532 | $369K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,295 | $854K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,516 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.