| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | PO BOX 896620 CHARLOTTE, NC 28289 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $8K | — | $8K | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 1825 BARRETT LAKES BLVD, STE 320 KENNESAW, GA 30144 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $8K | — | $8K | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | PO BOX 896620 CHARLOTTE, NC 28289 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $9K | — | $9K | 13.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 1825 BARRETT LAKES BLVD, STE 320 KENNESAW, GA 30144 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $9K | — | $9K | 13.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | PO BOX 896620 CHARLOTTE, NC 28289 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 1825 BARRETT LAKES BLVD, STE 320 KENNESAW, GA 30144 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | PO BOX 896620 CHARLOTTE, NC 28289 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $714 | — | $714 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 1825 BARRETT LAKES BLVD, STE 320 KENNESAW, GA 30144 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $714 | — | $714 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0103830 | Contract Administrator Service code 13 | 450 RIVERHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $323K |
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 | 956 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 819 | $123K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 475 | $84K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 67 | $26K |
| Other(2 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 477 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.