| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA INC | $139K | — | $139K | 1.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, AL 35233 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA INC | $72K | — | $72K | 1.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - ALPHA | P O BOX 2190 ALPHARETTA, GA 30023 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA INC | — | $802 | $802 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $23K | — | $23K | 2.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | CAPITAL HEALTH PLAN | $22K | — | $22K | 2.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1825 BARRETT LAKES BLVD NW SUITE 320 KENNESAW, GA 30144 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.01% |
| ASHFORD ADVISORS INC3 | 1 RAVINIA DRIVE SUITE 1750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $520 | — | $520 | 0.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 10.54% |
| MCGRIFF INSURANCE SERVICES INC3 | 628 GREEN VALLEY ROAD SUITE 304 GREENSBORO, NC 27408 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 1.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $569 | — | $569 | 10.00% |
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 | 1,536 | 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) | 1,536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA INC | 1,100 | $8.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 855 | $460K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,536 | $158K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,536 | $158K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 30 | $219K |
| Other | HARTFORD LIFE AND ACCIDENT | 122 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,536 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.