| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | PO BOX 80568 ATHENS, GA 30608 | STANDARD INSURANCE COMPANY | $365K | $72K | $437K | 12.89% |
| AI GROUP3 | — | STANDARD INSURANCE COMPANY | $376 | — | $376 | 0.01% |
| VAGIB CORP3 | URB. ROOSEVELT 482 CESAR GONZALEZ SAN JUAN, PR 009182627 | MCS LIFE INSURANCE COMPANY | $9K | — | $9K | 4.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1900 5TH AVE N. 19TH FLOOR BIRMINGHAM, AL 35203 | GUARDIAN LIFE INSURANCE COMPANY | $58K | $6K | $63K | 34.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.5M |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | 6000 POPLAR AVE STE 300 MEMPHIS, TN 381190928 | $0 |
| REGIONS INSURANCE INC EIN 71-0621654 BROKER | Other commissions Service code 55 | 6000 POPLAR AVE., STE. 300 MEMPHIS, TN 381190928 | $0 |
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 | 4,756 | 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) | 4,756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 28 | $213K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 3,336 | $186K |
| Vision | STANDARD INSURANCE COMPANY | 4,756 | $3.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 4,756 | $3.4M |
| Short-term disability | STANDARD INSURANCE COMPANY | 4,756 | $3.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,756 | $3.4M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 7,498 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,498 | — |
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.