| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBLES AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE NE SUITE 500 ATLANTA, GA 30342 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.68% |
| MILENIUM BENEFITS CONSULTING INC3 | 990 HAMMOND DRIVE NE SUITE 600 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMIN | Participant communication; Float revenue; Named fiduciary; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $331K |
| MCGRIFF SEIBELS AND WILLIAMS OF GA INSURANCE BROKER | Insurance services; Insurance agents and brokers Service code 22 | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | $63K |
| MILLENIUM BENEFITS CONSULTING INC INSURANCE BROKER | Insurance agents and brokers; Insurance services Service code 22 | 990 HAMMOND DRIVE SUITE 600 ATLANTA, GA 30328 | $24K |
| CIGNA | Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Contract Administrator; Participant communication; Named fiduciary; Other services 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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 648 | $32K |
| Dental | CIGNA HEALTH AND INSURANCE COMPANY | 844 | $587K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 477 | $263K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 477 | $178K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 477 | $178K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND INSURANCE COMPANY | 844 | $587K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 477 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.