| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 2520 NORTHWINDS PARKWAY SUITE 600 ALPHARETTA, GA 30009 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $58K | — | $58K | 4.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2185 N CALIFORNIA BLVD STE 400 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $15K | — | $15K | 1.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | 1 INDEPENDENCE PLAZA SUITE 800 BIRMINGHAM, AL 35209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 11.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $990 | $3K | 2.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3424 PEACHTREE RD NE # 1400 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | STE 300 6000 POPLAR AVE MEMPHIS, TN 38119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1150 JULIAN DR STE 100 WATKINSVILLE, GA 30677 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $295 | $295 | 1.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.93% |
| PATTERSON DANIEL HAMMOND3 | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.22% |
| PATTERSON DANIEL HAMMOND3 Filed as: PATTERSON DANIEL H | 2703 E LAKE RD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 0.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.38% |
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 | 230 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 397 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $138K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $138K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 230 | $42K |
| Long-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 9 | $23K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 104 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.