| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | — | $2K | $2K | 0.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | SHARED SERVICES 6000 POPLAR AVE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $5K | $55K | 22.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | EB COMMISSION PO BOX 896620 CHARLOTTE, NC 282896620 | STARMOUNT LIFE INSURANCE COMPANY | $29K | $4K | $33K | 15.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | SHARED SERVICES 6000 POPLAR AVE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 19.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | SHARED SERVICES 6000 POPLAR AVE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | SHARED SERVICES 6000 POPLAR AVE MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $3K | $1K | $4K | 18.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | SHARED SERVICES 6000 POPLAR AVE MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $2K | $654 | $3K | 15.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | SHARED SERVICES 6000 POPLAR AVE MEMPHIS, TN 38119 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $1K | $4K | 23.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | EB COMMISSION PO BOX 89662 CHARLOTTE, NC 282896620 | STARMOUNT LIFE INSURANCE COMPANY | -$1K | -$266 | -$2K | -9.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | SHARED SERVICES 6000 POPLAR AVE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $246 | $1K | 8.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE P EIN 58-1638390 SELF | Other commissions; Float revenue; Insurance agents and brokers; Other services; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $589K |
| INGENIORX, INC EIN 82-3062245 SELF | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | -$64K |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF HAWAII | 49 | $292K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF HAWAII | 238 | $500K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF HAWAII | 148 | $309K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $50K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $269K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $252K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 373 | $507K |
| Other(5 contracts, 3 carriers) | ARMADACARE | 273 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.