| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1150 JULIAN DRIVE SUITE 100 WAKINSVILLE, GA 30677 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 14.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 INDEPENDENT PLAZA SUITE 800 BIRMINGHAM, AL 35209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $7K | $35K | 28.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 541 NORTH MAIN STREET SUITE 100 MOUNT AIRY, NC 27030 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $3K | $220 | $3K | 9.90% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P.O BOX 3198 FORT SMITH, AR 72902 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | -$205 | — | -$205 | -0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $230K |
| MCGRIFF INSURANCE SERVICES, INC. EIN 56-1623293 BROKER | Other commissions Service code 55 | 7701 AIRPORT CENTER DRIVE STE. 1800 GREENSBORO, NC 27409 | $55K |
| MAGELLAN RX MANAGEMENT, LLC. EIN 46-3708039 PHARMACY BENEFIT MGMT | Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $19K |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $121K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 359 | $33K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $121K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 348 | $254K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 348 | $254K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $121K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.