| 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 | $30K | — | $30K | 13.72% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 INDEPENDENT PLAZA SUITE 800 BIRMINGHAM, AL 35209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $8K | $37K | 28.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 10265 BIRMINGHAM, AL 35202 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $3K | $229 | $3K | 10.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGELLAN RX MANAGEMENT, LLC. EIN 46-3708039 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $40K |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 347 | $128K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 360 | $30K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 347 | $128K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $220K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $220K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 347 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.