| 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 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $208K | $20K | $227K | 5.47% |
| 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 | 4.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $168K | $16K | $184K | 5.47% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $32K | $0 | $32K | 1.90% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $167K | $0 | $167K | 9.99% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | METLIFE LEGAL PLANS | $34K | $0 | $34K | 9.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY, & ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.63% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $37K | $37K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS, AND WILLIAMS, INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | ZURICH AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.66% |
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RIDGE, SUITE 200 BIRMINGHAM, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.90% |
| GARY D ABERNATHY3 | HUNTSVILLE HUNTSVILLE, AL 35805 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.00% |
| JAMES M WATKINS3 | HUNTSVILLE HUNTSVILLE, AL 35805 | AMERICAN UNITED LIFE INSURANCE COMPANY | $910 | $0 | $910 | 1.00% |
| BRANDFORD S DILLION3 | 2 RIVERCHASE RIDGE, SUITE 200 HUNTSVILLE, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $87 | $0 | $87 | 0.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $1K | $1K | 15.00% |
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 | 6,713 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 124 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | MAPLE RED INSURANCE COMPANY | 5,632 | $13.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 267 | $1.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,409 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,483 | $4.2M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 146 | $91K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,715 | $3.4M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 267 | $1.8M |
| Stop-loss / reinsurancereinsurance | MAPLE RED INSURANCE COMPANY | 5,632 | $3.8M |
| Other(9 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 7,253 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,253 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.