| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES E. GENOIS3 | 110 VETERANS MEMORIAL DRIVE SUITE 400 MATAIRIE, LA 70005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 11.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 10100 KATY FWY STE 400 HOUSTON, TX 77043 | AMERITAS LIFE INSURANCE CORP. | $20K | — | $20K | 9.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $6K | $6K | 2.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 770435267 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 0.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $22K | 13.65% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS, LLC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 10.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 214 N TRYON STREET FLOOR 46 CHARLOTTE, NC 28202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 6.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3850 N. CAUSEWAY BLVD SUITE 1970 METAIRIE, LA 70002 | EYEMED VISION CARE | $5K | — | $5K | 16.55% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 616 | $220K |
| Vision | EYEMED VISION CARE | 597 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 574 | $165K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $398K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $398K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 574 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.