| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.38% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DREIVE SUITE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 60.16% |
| HOORAY HEALTH LLC3 | 14755 PRESTON ROAD SUITE 139 DALLAS, TX 75254 | AMERITAS | $2K | — | $2K | 15.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3707 PEACHTREE ROAD NE UNIT 4 ATLANTA, GA 30319 | AMERITAS | $529 | — | $529 | 4.67% |
| HOORAY HEALTH LLC3 | 14755 PRESTON ROAD SUITE 130 DALLAS, TX 75254 | ZURICH INSURANCE | $3K | — | $3K | 25.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3707 PEACHTREE ROAD NE UNIT 4 ATLANTA, GA 30329 | ZURICH INSURANCE | $352 | — | $352 | 3.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $236K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | — | $41K |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 39 | $11K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $36K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $67K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $57K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $57K |
| Stop-loss / reinsurancereinsurance | UNUM-STEALTH PARTNER GROUP MED RISK | 398 | $471K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.