| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 500 PRESIDENT CLINTON AVE SUITE 400 LITTLE ROCK, AR 72201 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | — | — | $0 | 0.00% |
| KEPPLEHEALTHCARE CONSULTING INC.3 | — | HEALTH ALLIANCE MEDICAL | $27K | — | $27K | 2.08% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC. | — | ONEAMERICA | $13K | — | $13K | 15.00% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING, INC. | — | THE STANDARD | $7K | $1K | $9K | 19.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 500 PRESIDENT CLINTON AVE SUITE 400 LITTLE ROCK, AR 72201 | VISION SERVICE PLAN | $866 | — | $866 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 500 PRESIDENT CLINTON AVE SUITE 400 LITTLE ROCK, AR 72201 | DETLA DENTAL OF MISSOURI | — | — | $0 | 0.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE RD STE 2021 OVIEDO, FL 32765 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 88.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 500 PRESIDENT CLINTON AVE SUITE 400 LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 50.66% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE RD STE 2021 OVIEDO, FL 32765 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 105.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 500 PRESIDENT CLINTON AVE SUITE 400 LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 59.24% |
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 | 692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,330 | $9.8M |
| Dental(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 518 | $511K |
| Vision(4 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 518 | $465K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,535 | $379K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 436 | $342K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 332 | $191K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,330 | $8.5M |
| Other(6 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,535 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,535 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.