| 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 | $636K | $82K | $717K | 15.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 9100 KEYSTONE CROSSING STE 550 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY | $72K | $10K | $82K | 37.49% |
| VAGIB CORP3 | URB. ROOSEVELT 482 CESAR GONZALEZ SAN JUAN, PR 009182627 | MCS LIFE INSURANCE COMPANY | $6K | — | $6K | 3.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.1M |
| MCGRIFF INSURANCE INC EIN 56-1623293 BROKER | Other commissions Service code 55 | 6000 POPLAR AVE., STE. 300 MEMPHIS, TN 381190928 | $259K |
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 | 6,295 | 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) | 6,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 22 | $147K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 4,025 | $219K |
| Vision | STANDARD INSURANCE COMPANY | 6,295 | $4.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 6,295 | $4.7M |
| Short-term disability | STANDARD INSURANCE COMPANY | 6,295 | $4.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,295 | $4.7M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 8,266 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,266 | — |
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.