| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 1.89% |
| HODGES-MACE LLC3 Filed as: HODGES MACE LLC | 5775 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.20% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | — | $735 | $735 | 0.07% |
| 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 | $19K | $2K | $21K | 2.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 3400 OVERTON PARK DRIVE SE SUITE 600 ATLANTA, GA 30339 | PAN-AMERICAN LIFE INSURANCE COMPANY | $87K | — | $87K | 13.60% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, AL 35233 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 10.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FL EIN 59-2015694 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $15.3M |
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 | 2,654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,730 | $789K |
| Vision | HUMANA INSURANCE COMPANY | 1,452 | $147K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,705 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,705 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,705 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,705 | — |
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.