| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | HCC LIFE INSURANCE COMPANY | $54K | — | $54K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | THE STANDARD LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 3.76% |
| MCGRIFF INSURANCE SERVICES INC3 | 114 W WALNUT STREET KOKOMO, IN 46901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $637 | $7K | 30.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 30.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 5.49% |
| PATTERSON DANIEL HAMMOND3 | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116 | — | $116 | 4.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $262K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | 999 SHADY GROVE RD S STE 200 MEMPHIS, TN 38120 | $78K |
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 | 299 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 239 | $541K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $21K |
| Vision | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $9K |
| Life insurance | THE STANDARD LIFE INSURANCE CO. OF NEW YORK | 290 | $105K |
| Short-term disability | THE STANDARD LIFE INSURANCE CO. OF NEW YORK | 290 | $105K |
| Long-term disability | THE STANDARD LIFE INSURANCE CO. OF NEW YORK | 290 | $105K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 239 | $541K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.