| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CTR DR, STE 1800 GREENSBORO, NC 27409 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $9K | $9K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN UNITED LIFE INSURANCE COMPANY | $223K | $30K | $254K | 12.30% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES3 Filed as: SEDGWICK CLAIMS MGMT SVCS | UNKNOWN MEMPHIS, TN 38125 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $245K | $245K | 11.86% |
| MCGRIFF INSURANCE SERVICES INC3 | STE 19 RALEIGH, NC 27612 | AMERICAN UNITED LIFE INSURANCE COMPANY | $87K | — | $87K | 4.21% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | STE 550 SAN ANTONIO, TX 78232 | AMERICAN UNITED LIFE INSURANCE COMPANY | $40K | — | $40K | 1.92% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 13750 SAN PEDRO AVE SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $309K | — | $309K | 17.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | TRUSTMARK INSURANCE COMPANY | $156K | — | $156K | 9.03% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 0.50% |
| COLE R. RODGERS3 | PO BOX 2153 BIRMINGHAM, AL 35287 | TRUSTMARK INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RXBENEFITS, INC. EIN 63-1157085 ADMINISTRATOR | Contract Administrator Service code 13 | — | $9.1M |
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 ADMINISTRATOR | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $2.2M |
| MARSH & MCLENNAN AGENCY BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | $0 |
| MCGRIFF INSURANCE SERVICES LLC BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 223 W NAST ST WILSON, NC 27893 | $0 |
| STEALTH PARTNER GROUP LLC BROKER | Non-monetary compensation; Other commissions; Insurance agents and brokers Service code 22 | 18700 N HAYDEN RD SCOTTSDALE, AZ 85255 | $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 | 2,635 | 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) | 2,635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 5,291 | $2.8M |
| Vision | VISION SERVICE PLAN | 2,237 | $432K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,210 | $3.8M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,210 | $3.8M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,210 | $2.1M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 5,291 | $2.8M |
| Other(3 contracts, 3 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 5,291 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,291 | — |
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.