| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $193K | $70K | $263K | 7.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC | 221 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | MAPLE RED INSURANCE COMPANY | $187K | $0 | $187K | 5.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $99K | $36K | $135K | 7.36% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $33K | $0 | $33K | 1.85% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $138K | $0 | $138K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | $0 | $43K | 9.94% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $0 | $29K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY, & ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | HYATT LEGAL PLANS | $23K | $3K | $27K | 11.43% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | HYATT LEGAL PLANS | $0 | $45 | $45 | 0.02% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $30K | $30K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS, AND WILLIAMS, INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | ZURICH AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 5.00% |
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RIDGE, SUITE 200 BIRMINGHAM, AK 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.46% |
| GARY D ABERNATHY3 | HUNTSVILLE HUNTSVILLE, AL 35805 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.00% |
| JAMES M WATKINS3 | HUNTSVILLE HUNTSVILLE, AL 35805 | AMERICAN UNITED LIFE INSURANCE COMPANY | $808 | $0 | $808 | 1.00% |
| BRANDFORD S DILLION3 | HUNTSVILLE HUNTSVILLE, AL 35805 | AMERICAN UNITED LIFE INSURANCE COMPANY | $629 | $0 | $629 | 0.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS, AND WILLIAMS, INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $1K | $8K | 12.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS, AND WILLIAMS, INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $546 | $546 | 1.79% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $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 | 5,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | MAPLE RED INSURANCE COMPANY | 4,925 | $10.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 264 | $1.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,719 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,853 | $3.7M |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 977 | $176K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,851 | $1.9M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 264 | $1.4M |
| Stop-loss / reinsurancereinsurance | MAPLE RED INSURANCE COMPANY | 4,925 | $3.3M |
| Other(9 contracts, 7 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 5,856 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,856 | — |
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.