| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA | PO BOX 896620 CHARLOTTE, NC 28289 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $246K | — | $246K | 5.93% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $27K | $2K | $29K | 16.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BORADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 10.39% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $9K | $3K | $12K | 8.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 10.77% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $9K | $3K | $12K | 9.49% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $9K | $3K | $12K | 11.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 8.95% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $5K | $449 | $6K | 15.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BORADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.68% |
| IMA, INC.3 Filed as: IMA INC | SIX CONCOURSE PKWY 30TH FL ATLANTA, GA 30328 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 16.89% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $544 | — | $544 | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $253 | — | $253 | 0.91% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 524 | $4.2M |
| Dental | STANDARD INSURANCE COMPANY | 324 | $174K |
| Vision | STANDARD INSURANCE COMPANY | 292 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 459 | $102K |
| Short-term disability | STANDARD INSURANCE COMPANY | 170 | $142K |
| Long-term disability | STANDARD INSURANCE COMPANY | 139 | $129K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 524 | $4.2M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 459 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.