| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $32K | $69K | 20.39% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DREIVE SUITE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 51.16% |
| PATRICIA R ALDAPE3 Filed as: PATRICIA ALDAPE | 2225 E RANDOL MILL RD SUITE 610 ARLINGTON, TX 76011 | CONTINENTAL INSURANCE COMPANY | $22K | — | $22K | 34.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | CONTINENTAL INSURANCE COMPANY | $16K | — | $16K | 25.27% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA LECIEJEWSKI | 1327 SPRINT FALLS DRIVR FRISCO, TX 75033 | CONTINENTAL INSURANCE COMPANY | $2K | — | $2K | 3.61% |
| HOORAY HEALTH LLC3 | 14755 PRESTON ROAD SUITE 139 DALLAS, TX 75254 | AMERITAS | $2K | — | $2K | 15.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3707 PEACHTREE ROAD NE UNIT 4 ATLANTA, GA 30319 | AMERITAS | $670 | — | $670 | 4.69% |
| HOORAY HEALTH LLC3 | 14755 PRESTON ROAD SUITE 130 DALLAS, TX 75254 | ZURICH INSURANCE | $2K | — | $2K | 23.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3707 PEACHTREE ROAD NE UNIT 4 ATLANTA, GA 30329 | ZURICH INSURANCE | $357 | — | $357 | 4.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $270K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | — | $39K |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 490 | $479K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 490 | $353K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 490 | $338K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 490 | $338K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 490 | $338K |
| Stop-loss / reinsurancereinsurance | UNUM-STEALTH PARTNER GROUP MED RISK | 400 | $595K |
| Other(2 contracts, 2 carriers) | CONTINENTAL INSURANCE COMPANY | 162 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.