| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLAIMS | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 1.63% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PARKWAY SUITE 700 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $2K | $24K | 27.51% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 2.24% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 9.29% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY | $6K | $518 | $7K | 16.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 18.65% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PARKWAY SUITE 700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.15% |
| MARK ALLAN EDEN3 | 2100 RIVEREDGE PARKWAY SUITE 200 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $751 | — | $751 | 4.02% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN E LAGANA | 2100 RIVEREDGE PARKWAY SUITE 200 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $142 | — | $142 | 0.76% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $69 | $69 | 0.37% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PARKWAY SUITE 700 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $245 | — | $245 | 1.60% |
| MARK ALLAN EDEN3 Filed as: MARK ALLEN EDEN | 2100 RIVEREDGE PARKWAY SUITE 200 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $76 | — | $76 | 0.50% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $878 | $268 | $1K | 11.09% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $155 | $1 | $156 | 1.51% |
| MCGRIFF INSURANCE SERVICES INC3 | 12725 MORRIS ROAD EXT SUITE 200 ALPHARETTA, GA 30004 | METLIFE LEGAL PLANS | — | $33 | $33 | 0.32% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PARKWAY SUITE 700 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $330 | — | $330 | 3.52% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PARKWAY SUITE 700 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $450 | — | $450 | 10.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $45 | $45 | 1.00% |
| MARK ALLAN EDEN3 | 2100 RIVEREDGE PKWY SUITE 200 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $106 | — | $106 | 2.80% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PKWY SUITE 700 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $88 | — | $88 | 2.33% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | — | $5 | $5 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGRIFF SEIBELS AND WILLIAMS BROKER | Insurance agents and brokers; Insurance services Service code 22 | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | $15K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 CLAIMS ADMIN | Contract Administrator; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $11K |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $1.1M |
| Vision | VISION SERVICE PLAN | 204 | $24K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $123K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $123K |
| Other(11 contracts, 7 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 262 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.