| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | WESTPORT INSURANCE | $123K | — | $123K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | CAPITAL HEALTH PLAN | $22K | — | $22K | 2.76% |
| 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 | $14K | — | $14K | 2.00% |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEWMARKET PARKWAY SUITE 100 MARIETTA, GA 30067 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $74K | $26K | $100K | 14.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | P O BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $2K | $17K | 2.46% |
| 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 | $27K | $8K | $34K | 7.68% |
| ASHFORD ADVISORS INC3 | 1 RAVINIA DRIVE SUITE 1750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $538 | — | $538 | 0.12% |
| 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 | 1150 JULIAN DRIVE SUITE 100 WATKINSVILE, GA 30677 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 7.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $801 | $85 | $886 | 11.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS LLC EIN 36-4197088 CLAIMS ADMIN | Claims processing; Plan Administrator; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $388K |
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 | 1,427 | 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) | 1,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CAPITAL HEALTH PLAN | 1,132 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 831 | $449K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,427 | $676K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,427 | $676K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 23 | $224K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE | 670 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 420 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,427 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.