| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.88% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $10K | $25K | 4.96% |
| A2 HOLDINGS DBA A2 BENEFITS3 | 887 WEST MARIETTA STREET N-108 ATLANTA, GA 30318 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3400 OVERTON PARK DR SE SUITE 300 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $43K | $53K | $97K | 23.97% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | 887 WEST MARIETTA ST N-108 ATLANTA, GA 30318 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 2.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROC | Claims processing; Other services Service code 12 | — | $99K |
| MCGRIFF INSURANCE SERVICES INC BROKER | Insurance agents and brokers; Insurance services Service code 22 | P O BOX 896620 CHARLOTTE, NC 28289 | $70K |
| A2 HOLDINGS DBA A2 BENEFITS BROKER | Insurance agents and brokers; Insurance services Service code 22 | 887 WEST MARIETTA ST N-108 ATLANTA, GA 30338 | $52K |
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 | 502 | 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) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,074 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $500K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $500K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 518 | $904K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 518 | $904K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 518 | $904K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 518 | $904K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,074 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.