| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD. SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $68K | — | $68K | 3.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 2211 SEVENTH AVENUE S BIRMINGHAM, AL 35233 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 1.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 7.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BOULEVARD SUITE 500 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.89% |
| BB&T INSURANCE SERVICES, INC.3 | P.O. BOX 168 WINSTON SALM, NC 27102 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.59% |
| PETER J MACE3 Filed as: PETER MACE | 5775 D GLENRIDGE DRIVE SUITE 350 ATLANTA, GA 30328 | ALLSTATE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBEL & WILLIAMS OF TX | 818 TOWN AND COUNTRY BOULEVARD SUITE 500 HOUSTON, TX 77024 | ALLSTATE LIFE INSURANCE COMPANY | $458 | — | $458 | 2.31% |
| FRANCISCO COMBES3 | 426 COLLEGIATE DRIVE POWDER SPRINGS, GA 30127 | ALLSTATE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.13% |
| PILAR JOHNSON3 | 3508 VERNADEAN DRIVE SE ATLANTA, GA 30339 | ALLSTATE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.06% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 381 | $2.0M |
| Dental | STANDARD INSURANCE COMPANY | 316 | $281K |
| Vision | STANDARD INSURANCE COMPANY | 316 | $281K |
| Life insurance | STANDARD INSURANCE COMPANY | 316 | $281K |
| Short-term disability | STANDARD INSURANCE COMPANY | 316 | $281K |
| Long-term disability | STANDARD INSURANCE COMPANY | 316 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.