| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | ANTHEM INSURANCE COMPANIES INC. | $104K | — | $104K | 3.49% |
| THE JAMES GROUP, LLC3 Filed as: THE JAMES GROUP LLC | 6750 POPLAR AVENUE SUITE 208 MEMPHIS, TN 38138 | ANTHEM INSURANCE COMPANIES INC. | $11K | — | $11K | 0.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILIAMS INC | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | GREATER GEORGIA LIFE INSURANCE COMPANY | $20K | — | $20K | 7.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $17K | — | $17K | 8.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC. | 3400 OVERTON PARK DRIVE SUITE 208 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 11.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS IN | 3400 OVERTON PARK DR SE STE 300 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS IN | EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $991 | — | $991 | 15.76% |
| THE JAMES GROUP, LLC3 Filed as: THE JAMES GROUP LLC | 6750 POPLAR AVENUE SUITE 208 MEMPHIS, TN 38138 | STARMOUNT LIFE INSURANCE COMPANY | $438 | $85 | $523 | 12.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS IN | EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $362 | — | $362 | 9.91% |
| THE JAMES GROUP, LLC3 Filed as: THE JAMES GROUP | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.56% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN PENNINGTON | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.45% |
| DEREK RIHANEK3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.22% |
| THE BOTTOMS GROUP LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.22% |
| KATHRYN SUZANNE AXENTE3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
| NICOLE LYNN RIHANEK3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
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 | 539 | 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) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES INC. | 456 | $3.0M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 493 | $227K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 493 | $227K |
| Life insurance(3 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 321 | $283K |
| Short-term disability(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 321 | $265K |
| Long-term disability(3 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 321 | $281K |
| Other(4 contracts, 3 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 323 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.