| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBSAMEN INSURANCE INC3 Filed as: REBSAMEN INSURANCE INC REGIONS INSU | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 352460268 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 2.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC 3605 | GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 1.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCEE SERVICES - ST PE | 12485 28TH ST NORTH 2ND FLOOR ST PETERSBURG, FL 33716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $4K | $43K | 25.42% |
| HODGES-MACE BENEFITS GRP INC3 | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 9.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - FLORIDA SE | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $235 | $3K | 1.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES-ST PETE | 12485 28TH ST NORTH 2ND FLOOR ST PETE, FL 33716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $832 | $4K | 8.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - ST PET | 12485 28TH ST N 2ND FLOOR ST. PETERSBURG, FL 33716 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44K | $3K | $47K | 95.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES HOME OFF | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 3.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES-ST PETE | 12485 28TH ST N 2ND FLOOR ST PETERSBURG, FL 33716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $17K | 56.34% |
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 | 1,072 | 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) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 967 | $333K |
| Vision | AETNA LIFE INSURANCE CO. | 967 | $333K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $100K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $31K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $82K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,072 | — |
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.