| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | 1 INDEPENDENCE PLAZA SUITE 800 BURMINGHAM, AL 35209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | $9K | $58K | 16.83% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY DBA CO | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 4.26% |
| 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 | -0.61% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ATLANTIC SPECIALTY INSURANCE COMPANY | $9K | — | $9K | 2.86% |
| COLLIER INSURANCE3 | 606 S MENDENHALL 200 MEMPHIS, TN 38117 | ATLANTIC SPECIALTY INSURANCE COMPANY | $7K | — | $7K | 2.07% |
| MCGRIFF INSURANCE SERVICES INC3 | 541 NORTH MAIN ST SUITE 100 MOUNT AIRY, NC 27030 | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC. | $223 | — | $223 | — |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $342K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $342K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $342K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $342K |
| Prescription drug | PARTNERS RX MANAGEMENT, LLC | 253 | $0 |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 197 | $321K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.