| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 PO BOX 896620 CHARLOTTE, NC 282296620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $181K | — | $181K | 4.57% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 8.74% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 PO BOX 896620 CHARLOTTE, NC 282296620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.14% |
| RAWLS INSURANCE GROUP LLC3 | PO BOX 750 LOCUST GROVE, GA 30248 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | $13K | $25K | 20.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.73% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282296620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.46% |
| RAWLS INSURANCE GROUP LLC3 | PO BOX 750 LOCUST GROVE, GA 30248 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $464 | — | $464 | 0.81% |
| R J K & ASSOCIATES INC3 Filed as: R J K ASSOCIATES INC | 1800 PEACHTREE ST NW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 15.73% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 300 GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.40% |
| RAWLS INSURANCE GROUP LLC3 | PO BOX 750 LOCUST GROVE, GA 30248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $64 | $2K | 6.17% |
| SUSAN MARIE MCGAHEE3 | 102 TABBY LANE UNITE F4 SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $829 | $42 | $871 | 2.70% |
| AYB BENEFITS INC3 | 3620 ROSETREE CT LILBURN, GA 30047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $6 | $210 | 0.65% |
| TARA MADDOX3 | 1800 PEACHTREE ST SW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.57% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIRCILE MACON, GA 31204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.16% |
| HAROLD J DOYLE3 | 892 RIDERS WAY EAST EVANA, GA 30809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BST COMPANIES INC3 | 425 S. FREMONT AV. TUCSON, AZ 85719 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RAWLS INSURANCE GROUP LLC4 | PO BOX 750 LOCUST GROVE, GA 30248 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 12.39% |
| DAKOTA RAWLS4 | 100 CARDELL FARMS RD LOCUST GROVE, CA 30248 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $368 | — | $368 | 2.97% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28289 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $178 | — | $178 | 1.44% |
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 | 618 | 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) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 906 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 906 | $4.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 906 | $4.0M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 419 | $119K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 377 | $144K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $57K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 906 | $4.0M |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 419 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 906 | — |
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.
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.