| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1825 BARRETT LAKES BLVD STE 320 KENNESAW, GA 301447570 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $57K | — | $57K | 5.84% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 2190 ALPHARETTE, GA 300232190 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | — | $8K | $8K | 0.84% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 22.39% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 13.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 12.93% |
| R J K & ASSOCIATES INC3 Filed as: R J K ASSOCIATES INC | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $7 | $214 | 2.21% |
| SANTE CONCEPTS INC3 | 94 BARLETT WAY DALLAS, GA 30157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 1.77% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.12% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 146 | $1.1M |
| Dental | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 102 | $982K |
| Vision | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 102 | $982K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $98K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $89K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $89K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.