| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 | — | CANYON STARLINE/NATIONWIDE | $155K | — | $155K | 53.34% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | 1020 HIGHLAND COLONY PKWY 806 RIDGELAND, MS 39157 | CANYON STARLINE/NATIONWIDE | $44K | — | $44K | 15.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | CANYON STARLINE/NATIONWIDE | $15K | — | $15K | 5.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | 1900 5TH AVENUE NORTH 19TH FLOOR BIRMINGHAM, AL 35203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $7K | $44K | 23.20% |
| DANIEL H. PATTERSON3 Filed as: DANIEL H PATTERSON | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 80568 ATHENS, GA 30608 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.19% |
| DANIEL H. PATTERSON3 Filed as: DANIEL H PATTERSON | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 80568 ATHENS, GA 30608 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4951 FORSYTH 1ST FL MACON, GA 31210 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 16.70% |
| WEBTPA EMPLOYER SERVICES LLC3 Filed as: WEBTPA EMPLOYER SERVICES, LLC | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.51% |
| REGIONS INSURANCE INC3 | PO BOX 11407, DEPT. 268 KOKOMO, IN 46902 | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC. | $2K | — | $2K | 5.91% |
| REGIONS INSURANCE INC3 | PO BOX 3198 LITTLE ROCK, AR 72203 | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC. | $1K | — | $1K | 4.11% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $191K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC. | 178 | $26K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $191K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 193 | $64K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $191K |
| Prescription drug(2 contracts, 2 carriers) | CANYON STARLINE/NATIONWIDE | 0 | $291K |
| Stop-loss / reinsurancereinsurance | CANYON STARLINE/NATIONWIDE | 0 | $291K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.