| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 43 S BROAD STREET SUITE B WINDER, GA 306802037 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $8K | — | $8K | 4.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 2190 ALPHARETTA, GA 300232190 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | — | $924 | $924 | 0.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT SUITE 200 RALEIGH, NC 27604 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $8K | $21K | 24.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3150 SOUTH MAIN STREEET HARRISONBURG, VA 22801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $1K | $7K | 12.02% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 4.93% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 18 | $174K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 89 | $61K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 89 | $61K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $88K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $88K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $88K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.