| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $42K | $46K | 5.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $253 | $0 | $253 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAM | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 13.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | AFLAC | $1K | $0 | $1K | 7.31% |
| ANN BLAKE BOSWELL3 Filed as: ANN B. BOSWELL | 5300 OAKBROOK PARKWAY NORCROSS, GA 30043 | AFLAC | $944 | $0 | $944 | 5.07% |
| TEDDY LEE EARLES3 Filed as: TEDDY L. EARLES | 394 TEAL COURT ROSWELL, GA 30076 | AFLAC | $288 | $0 | $288 | 1.55% |
| ALICIA CLIFTON3 | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | AFLAC | $179 | $0 | $179 | 0.96% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JR AND OTHER AGT | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | AFLAC | $153 | $0 | $153 | 0.82% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AFLAC | $88 | $0 | $88 | 0.47% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE M. SINTAY | 800 SCOTIA DRIVE SUITE 205 HYPOLUXO, FL 33462 | AFLAC | $87 | $0 | $87 | 0.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3400 OVERTON PARK DRIVE SE ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $771 | $0 | $771 | 9.95% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $885K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $885K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 116 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $72K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $72K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $885K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.