| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $105K | $2K | $107K | 2.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | UNKNOWN ATLANTA, GA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $49K | $49K | 1.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | AMERICAN UNITED LIFE INSURANCE COMPANY | $24K | $16K | $40K | 14.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 741 W. LANIER AVE., STE. 100 FAYETTEVILLE, GA 30233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $3K | $11K | 21.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 250 PEHLE AVE. PARK 80 WEST PLAZA TWO, STE. 400 SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | $879 | $0 | $879 | 1.70% |
| R J K & ASSOCIATES INC3 Filed as: R J K & ASSOCIATES INC. | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 17.20% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 12.10% |
| TARA MADDOX3 | 1800 PEACHTREE ST., SW ATLANTA, GA 30309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 7.96% |
| SUSAN MARIE MCGAHEE3 | 102 TABBY LANE, UNIT F4 SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $1 | $125 | 0.55% |
| RAWLS INSURANCE GROUP LLC3 | PO BOX 750 LOCUST GROVE, GA 30248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.14% |
| AYB BENEFITS INC3 Filed as: AYB BENEFITS INC. | 2209 SCENIC DR. SNELVILLE, GA 30078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.12% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIRCLE MACON, GA 31204 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $784 | $0 | $784 | 8.76% |
| RAWLS INSURANCE GROUP LLC4 | PO BOX 750 LOCUST GROVE, GA 30248 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $377 | $0 | $377 | 4.21% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $58 | $0 | $58 | 0.65% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $3.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $3.9M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 209 | $287K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 209 | $287K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 209 | $287K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $3.9M |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 3,438 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,438 | — |
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.