| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 999 SHADY GROVE RD S STE 200 MEMPHIS, FL 381204127 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $69K | $69K | 5.41% |
| BB&T3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 12485 28TH ST N FL2 ST PETERSBURG, FL 337061825 | KAISER FOUNDATION HEALTH PLAN INC. | $45K | — | $45K | 5.05% |
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DR WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 12.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1150 JULIAN DRIVE WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $6K | $25K | 19.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1150 JULIAN DRIVE 6003 WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1150 JULIAN DRIVE WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 19.71% |
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DR WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $917 | $3K | 14.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1150 JULIAN DRIVE WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $689 | $4K | 18.58% |
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 | 459 | 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) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $2.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $163K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 497 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 497 | $127K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 149 | $883K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 497 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.