| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $209K | $0 | $209K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | MAPLE RED INSURANCE COMPANY | $0 | $187K | $187K | 4.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $150K | $0 | $150K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $34K | $0 | $34K | 1.77% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $176K | $0 | $176K | 10.01% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | METLIFE LEGAL PLANS | $35K | $0 | $35K | 9.96% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY, & ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 1.08% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMLES MURPHY & ASSOCIATION INC | PO BOX 441 DES MOINES, IA 50302 | METLIFE LEGAL PLANS | $0 | $53 | $53 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS, AND WILLIAMS, INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | ZURICH AMERICAN INSURANCE COMPANY | $51K | $0 | $51K | 20.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.31% |
| ABLE BENEFIT SOLUTIONS3 | STE 240 BIRMINGHAM, AL 35243 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | ZURICH AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: WILLIAM YOUNGER, J SMITH LANIER | 300 WEST 10TH STREET WEST POINT, GA 31833 | NATIONAL GUARDIAN LIFE | $2K | $0 | $2K | 15.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: TRAVIS DENT, HOMES MURPHY & ASSOC. | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | NATIONAL GUARDIAN LIFE | $653 | $0 | $653 | 5.77% |
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 | 6,901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | MAPLE RED INSURANCE COMPANY | 5,710 | $13.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 261 | $1.9M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 4,409 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,754 | $4.3M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 147 | $87K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,637 | $3.1M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 261 | $1.7M |
| Stop-loss / reinsurancereinsurance | MAPLE RED INSURANCE COMPANY | 5,710 | $4.0M |
| Other(8 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 7,202 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,202 | — |
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.