| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DRIVE STE 100 WATKINSVILLE, GA 30677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $133K | $133K | 1.84% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | — | $57K | $57K | 1.18% |
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 | 15,150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,888 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 17,549 | $4.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,559 | $7.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,559 | $7.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,549 | — |
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.