| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC | 2000 INTERNATIONAL PARK DRIVE STE 600 BIRMINGHAM, AL 35233 | MAPLE RED INSURANCE COMPANY | $0 | $192K | $192K | 3.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $194K | $106K | $300K | 6.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $185K | $100K | $285K | 6.88% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $194K | $0 | $194K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $19K | $0 | $19K | 1.03% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | METLIFE LEGAL PLANS | $47K | $0 | $47K | 10.01% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | $0 | $11K | $11K | 2.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY, & ASSOCIATES INC. | PO BOX 441 DES MOINES, IA 50302 | METLIFE LEGAL PLANS | $0 | $30 | $30 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 10265 BIRMINGHAM, AL 35202 | ZURICH AMERICAN INSURANCE COMPANY | $63K | $0 | $63K | 20.00% |
| FLIMP COMMUNICATIONS5 Filed as: FLIMP MEDIA INC | 2 HAYDEN ROWE ST HOPKINTON, MA 01748 | COMPANION LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.57% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | COMPANION LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | COMPANION LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.32% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 502638844 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.52% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 502638844 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 10265 BIRMINGHAM, AL 35202 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 8,203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | MAPLE RED INSURANCE COMPANY | 6,564 | $16.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 733 | $172K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,356 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,127 | $4.6M |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 650 | $280K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,810 | $4.4M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 220 | $1.6M |
| Stop-loss / reinsurancereinsurance | MAPLE RED INSURANCE COMPANY | 6,564 | $5.0M |
| Other(8 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 8,520 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,127 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.