| 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% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 9.27% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PARKWAY SUITE 700 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $12K | 13.96% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 2.06% |
| 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 | 14.26% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PARKWAY SUITE 700 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $290 | — | $290 | 1.61% |
| MARK ALLAN EDEN3 Filed as: MARK ALLEN EDEN | 2100 RIVEREDGE PARKWAY SUITE 200 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $89 | — | $89 | 0.49% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PARKWAY SUITE 700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $969 | — | $969 | 6.28% |
| MARK ALLAN EDEN3 | 2100 RIVEREDGE PARKWAY SUITE 200 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $590 | — | $590 | 3.82% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN E LAGANA | 2100 RIVEREDGE PARKWAY SUITE 200 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 0.73% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $39 | $39 | 0.25% |
| 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 | $452 | — | $452 | 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 | $121 | — | $121 | 2.71% |
| NEASE LAGANA EDEN AND CULLEY INC3 | 2000 RIVEREDGE PKWY SUITE 700 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $100 | — | $100 | 2.24% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | — | $2 | $2 | 0.04% |
| 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 COMPANY OF AMER EIN 01-0278678 CLAIMS ADMIN | Plan Administrator; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $15K |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 359 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 359 | $1.1M |
| Vision | VISION SERVICE PLAN | 299 | $33K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $102K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $102K |
| Other(10 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.