| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 80566 ATHENS, GA 30608 | STANDARD INSURANCE COMPANY | $632K | $56K | $689K | 16.55% |
| AI GROUP3 | PO BOX 80566 ATHENS, GA 30608 | STANDARD INSURANCE COMPANY | $38K | — | $38K | 0.92% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | PO BOX 80566 ATHENS, GA 30608 | STANDARD INSURANCE COMPANY | $2K | $28K | $30K | 0.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 9100 KEYSTONE CROSSING STE 550 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY | $72K | $2K | $74K | 32.79% |
| VAGIB CORP3 | URB. ROOSEVELT 482 CESAR GONZALEZ SAN JUAN, PR 009182627 | MCS LIFE INSURANCE COMPANY | $7K | — | $7K | 3.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.8M |
| MCGRIFF INSURANCE INC EIN 56-1623293 BROKER | Other commissions Service code 55 | 6000 POPLAR AVE., STE. 300 MEMPHIS, TN 381190928 | $0 |
| REGIONS INSURANCE 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 | 6,330 | 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) | 6,330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 25 | $179K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 4,055 | $227K |
| Vision | STANDARD INSURANCE COMPANY | 6,330 | $4.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 6,330 | $4.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 6,330 | $4.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,330 | $4.2M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 8,587 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,587 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.