| 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 | — | $921 | $921 | 0.75% |
| 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 | — | $507 | $507 | 0.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBLES AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE NE SUITE 500 ATLANTA, GA 30342 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.91% |
| MILENIUM BENEFITS CONSULTING INC3 | 990 HAMMOND DRIVE NE SUITE 600 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMIN | Float revenue; Claims processing; Contract Administrator; Other services; Non-monetary compensation; Participant communication; Named fiduciary; Direct payment from the plan Service code 12 | — | $301K |
| MCGRIFF SEIBELS AND WILLIAMS OF GA INSURANCE BROKER | Insurance agents and brokers; Insurance services Service code 22 | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | $87K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 CLAIMS ADMIN | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Contract Administrator Service code 12 | — | $5K |
| CIGNA | Named fiduciary; Participant communication; Contract Administrator; Claims processing; Float revenue; Non-monetary compensation; Other services; Direct payment from the plan 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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $30K |
| Dental | CIGNA HEALTH AND INSURANCE COMPANY | 867 | $543K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $190K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $123K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND INSURANCE COMPANY | 867 | $543K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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."
No prospect flags tripped on this filing.