| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | PO BOX 10265 BIRMINGHAM, AL 352020265 | MINNESOTA LIFE INSURANCE COMPANY | $266K | — | $266K | 5.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $113K | $53K | $165K | 6.60% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | PO BOX 10265 BIRMINGHAM, AL 352460265 | MINNESOTA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.19% |
| OCEAN CONSULTING GROUP3 Filed as: OCEAN CONSULTING GROUP INC. | 1555 PALM BEAVE BLVD. SUITE 810 WEST PALM BEACH, FL 33404 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $2.5M |
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Claims processing; Contract Administrator Service code 12 | — | $771K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | — | $199K |
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 | 3,380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 761 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 11,345 | $4.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,283 | $2.5M |
| Other(3 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 1,330 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,345 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.