| 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. | $9K | — | $9K | 3.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 32.67% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 504 ROYALL AVE MT. PLEASANT, SC 29464 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 999 SHADY GROVE SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $711 | $6K | 11.14% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD STE 300 MT PLEASANT, SC 29464 | 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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 24 | $252K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $55K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $55K |
| Life insurance | STANDARD INSURANCE COMPANY | 79 | $80K |
| Short-term disability | STANDARD INSURANCE COMPANY | 79 | $80K |
| Long-term disability | STANDARD INSURANCE COMPANY | 79 | $80K |
| Other | STANDARD INSURANCE COMPANY | 79 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.