| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 3850 NORTH CAUSEWAY BLVD SUITE 1970 METAIRIE, LA 700028103 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 1.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 352332310 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 1.20% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS, LLC | 3975 O'NEAL LANE SUITE B BATON ROUGE, LA 70816 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52K | — | $52K | 37.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 3850 CAUSEWAY BLVD SUITE 1970 METAIRIE, LA 70816 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 15.74% |
| BETHANY LOVING3 | 28122 LAURA COURT CONROE, TX 77385 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF LA IN | 3850 N CAUSEWAY BLVD STE 1970 METAIRIE, LA 700028103 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.43% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS, LLC | 3975 O'NEAL LANE SUITE B BATON ROUGE, LA 70816 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLAMS | 3850 NORTH CAUSEWAY BLVD SUITE 1970 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.49% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 574 | $356K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 454 | $279K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 454 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.