| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $7K | — | $7K | 1.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $4K | $2K | $6K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, MARSH & MCLENNAN | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 16.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, MARSH & MCLENNAN | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, MARSH & MCLENNAN | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $796 | $7K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT P O BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP | $0 | $737 | $737 | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AMERITAS LIFE INSURANCE CORP | $714 | — | $714 | 3.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP | $146 | — | $146 | 0.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTH PL GA EIN 58-1638390 ADMINISTRATION | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Finders' fees / placement fees Service code 12 | — | $240K |
| MARSH AND MCLENNAN AGENCY | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $51K |
| MCGRIFF INSURANCE SERVICES LLC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $32K |
| CARELONRX INC EIN 82-3062245 RX ADMINISTRATIOM | Other fees Service code 99 | — | $0 |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 409 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $99K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $65K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.