| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $20 | $19K | 2.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 2.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2217 7TH AVE SOUTH BIRMINGHAM, AL 35233 | PAN-AMERICAN LIFE INSURANCE COMPANY | $73K | — | $73K | 13.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, AL 35233 | HUMANA INSURANCE COMPANY | $13K | — | $13K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FL EIN 59-2015694 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $13.8M |
| MCGRIFF SEIBELS AND WILLIAMS CONSULTING FEES | Consulting (general) Service code 16 | 2217 7TH AVE SOUTH BIRMINGHAM, AL 35233 | $55K |
| PAN-AMERICAN LIFE PLAN ADMINISTRATION | Contract Administrator; Claims processing; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 601 POYDRAS STREET NEW ORLEANS, LA 70130 | $23K |
| RXEDO PHARM BENE MGR | Other fees Service code 99 | P O BOX 678586 DALLAS, TX 75267 | $293 |
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 | 2,801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,669 | $852K |
| Vision | HUMANA INSURANCE COMPANY | 1,458 | $135K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,704 | $864K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,704 | $864K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,704 | $864K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 358 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,704 | — |
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.