| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 5605 GLENRIDGE DRIVE, SUITE 300 ATLANTA, GA 30342 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $532 | $12K | 5.20% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW BUILDING 100 ATLANTA, GA 30318 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.03% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 5605 GLENRIDGE DRIVE, SUITE 300 ATLANTA, GA 30342 | BLUE CROSS BLUE SHIELD OF GEORGIA INC. | $63K | $0 | $63K | 45.70% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF GEORGIA INC. | $56K | $0 | $56K | 40.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 1104 AMHERST STREET WINCHESTER, VA 22601 | BLUE CROSS BLUE SHIELD OF GEORGIA INC. | $0 | $3K | $3K | 2.31% |
No Schedule C service providers reported on this filing.
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 | 338 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA INC. | 479 | $138K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA INC. | 479 | $138K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 535 | $231K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 535 | $231K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 535 | $231K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 535 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.