| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $114K | $114K | 3.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 1.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.14% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN INSURANCE COMPANY | $48K | — | $48K | 14.24% |
| THE CASON GROUP INC3 | 2110 POWERS FERRY ROAD ATLANTA, GA 30339 | THE GUARDIAN INSURANCE COMPANY | $23K | — | $23K | 6.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | $54K | — | $54K | 18.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | $2K | — | $2K | 0.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, AL 35233 | HUMANA INSURANCE COMPANY | $14K | — | $14K | 13.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSUR AND FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $3.1M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY | 554 | $448K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY | 554 | $448K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY | 554 | $423K |
| Short-term disability | THE GUARDIAN INSURANCE COMPANY | 554 | $339K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY | 554 | $423K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN INSURANCE COMPANY | 554 | $719K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.