| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ATLANTIC SPECIALTY INSURANCE COMPANY | $11K | — | $11K | 3.71% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY 806 RIDGELAND, MS 39157 | ATLANTIC SPECIALTY INSURANCE COMPANY | $4K | — | $4K | 1.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | 9100 KEYSTONE CROSSING SUITE 550 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | $2K | $41K | 18.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 80568 ATHENS, GA 30608 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.63% |
| PATTERSON DANIEL HAMMOND3 | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.99% |
| DANIEL H. PATTERSON3 Filed as: DANIEL H PATTERSON | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3201 BEECHLEAF COURT SUITE 200 RALEIGH, NC 27604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $179 | — | $179 | 0.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 80568 ATHENS, GA 30608 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.87% |
| PATTERSON DANIEL HAMMOND3 | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.22% |
| DANIEL H. PATTERSON3 Filed as: DANIEL H PATTERSON | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $772 | — | $772 | 2.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3201 BEECHLEAF COURT SUITE 200 RALEIGH, NC 27604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4951 FORSYTH 1ST FL MACON, GA 31210 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.37% |
| DANIEL H. PATTERSON3 Filed as: DANIEL H PATTERSON | 2703 EAST LAKE RD MCDONOUGH, GA 30252 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 4.63% |
| REGIONS INSURANCE INC3 | PO BOX 3198 LITTLE ROCK, AR 72203 | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC. | $1K | — | $1K | 5.73% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC. | $1K | — | $1K | 4.21% |
| PATTERSON DANIEL HAMMOND3 | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 24.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | PO BOX 80568 ATHENS, GA 30608 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 24.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3201 BEECHLEAF COURT SUITE 200 RALEIGH, NC 27604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.37% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $220K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC. | 187 | $26K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $220K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 165 | $69K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $220K |
| Prescription drug | PARTNERS RX MANAGEMENT, LLC | 0 | $0 |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 0 | $309K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.