| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 Filed as: ROBERT J. ELDER | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | MINNESOTA LIFE INSURANCE COMPANY | $270K | — | $270K | 4.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $119K | — | $119K | 4.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 101 N CHERRY STREET SUITE 500 WINSTON SALEM, NC 271014080 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $48K | $48K | 1.82% |
| ROBERT A LEVY3 Filed as: ROBERT J. ELDER | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | MINNESOTA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.50% |
| 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% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63149 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $3.0M |
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Claims processing; Contract Administrator Service code 12 | — | $765K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | — | $172K |
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 | 3,596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 706 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,712 | $708K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 11,220 | $6.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,419 | $2.6M |
| Other(3 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 8,247 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,220 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.