| 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 | $0 | $24K | $24K | 0.39% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $0 | $57K | $57K | 1.11% |
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 | 12,946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,188 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 15,194 | $5.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,229 | $6.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,229 | $6.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $899K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,194 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.