| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4777 SHARON ROAD 4TH FLOOR CHARLOTTE, NC 28210 | CIGNA HEALTH & LIFE INS CO. | $43K | — | $43K | 3.32% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | DELTA DENTAL OF ARKANSAS | $33K | — | $33K | 9.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ONE INDEPENDENCE PLAZA, STE 800 BIRMINGHAM, AL 35209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $5K | $26K | 18.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | — | SUPERIOR VISION - GUARDIAN LIFE | $9K | — | $9K | 12.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ONE INDEPENDENCE PLAZA, STE 800 BIRMINGHAM, AL 35209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 18.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ONE INDEPENDENCE PLAZA, STE 800 BIRMINGHAM, AL 35209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 45.65% |
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 | 1,038 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INS CO. | 923 | $1.3M |
| Dental | DELTA DENTAL OF ARKANSAS | 887 | $331K |
| Vision | SUPERIOR VISION - GUARDIAN LIFE | 545 | $68K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 985 | $24K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 998 | $138K |
| Prescription drug | CIGNA HEALTH & LIFE INS CO. | 923 | $1.3M |
| Other(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 985 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 998 | — |
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.