| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 2520 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $68K | $0 | $68K | 6.37% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 2190 ALPHARETTA, GA 30023 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $0 | $1K | $1K | 0.11% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 2190 ALPHARETTA, GA 30023 | AMERICAN UNITED LIFE INSURANCE COMPANY | $23K | $0 | $23K | 27.64% |
| MCGRIFF INSURANCE SERVICES INC3 | 2520 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | HUMANA INSURANCE COMPANY | $7K | $0 | $7K | 11.67% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 2190 ALPHARETTA, GA 30023 | HUMANA INSURANCE COMPANY | $0 | $2K | $2K | 3.96% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.57% |
| FRANCISCO COMBES3 | 3508 VERNADEAN DRIVE SE ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.28% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 142 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 135 | $62K |
| Vision | HUMANA INSURANCE COMPANY | 135 | $62K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 139 | $85K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 50 | $55K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 139 | $85K |
| Prescription drug | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 142 | $1.1M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 139 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.