| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1150 JULIAN DR. STE 100 WATKINSVILLE, GA 30677 | CIGNA HEALTH AND LIFE INSURANCE | $42K | — | $42K | 8.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1150 JULIAN DR STE 100 WATKINSVILLE, GA 30677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $547 | $12K | 17.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | AXIS INSURANCE COMPANY | $3K | — | $3K | 10.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 32.40% |
| PATTERSON DANIEL HAMMOND3 | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 INSURANCE CARRIER | Named fiduciary; Participant communication; Claims processing; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Direct payment from the plan Service code 12 | — | $15K |
| CIGNA HEALTH & LIFE INSURANCE CO. | Contract Administrator; Float revenue; Direct payment from the plan; Non-monetary compensation; Other services; Named fiduciary; Claims processing; Participant communication Service code 12 | — | $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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 156 | $507K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 156 | $507K |
| Vision | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $66K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $66K |
| Prescription drug(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $93K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.