| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3100 ROYAL BLV SOUTH ALPHARETTA, GA 300224412 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $64K | $1K | $65K | 6.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 10.02% |
| FRANCISCO COMBES3 | 3508 VERNADEAN DR SE ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 9.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3100 ROYAL BLV SOUTH ALPHARETTA, GA 300224412 | HUMANA INSURANCE COMPANY | $7K | $639 | $8K | 10.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 25.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
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 | 135 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 135 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 127 | $70K |
| Vision | HUMANA INSURANCE COMPANY | 127 | $70K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $61K |
| Other(4 contracts, 3 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 135 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.