| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF GA | 3400 OVERTON PARK DRIVE SE ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $0 | $80K | $80K | 4.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 10100 KATY FREEWAY, SUITE 400 HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.56% |
| MATTHEW STEVEN REDNOUR3 | UNKNOWN HARTFORD, CT 77503 | ASSURITY LIFE INSURANCE COMPANY | $8K | $0 | $8K | 17.45% |
| WARE GROUP GENERAL AGENCIES3 | UNKNOWN HARTFORD, CT 77503 | ASSURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.74% |
| BRADDEN PROBST3 Filed as: BRADDEN JOHN PROBST | UNKNOWN HARTFORD, CT 77503 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.11% |
| MICHAEL PETERS & ASSOCIATES, INC.3 | UNKNOWN HARTFORD, CT 77503 | ASSURITY LIFE INSURANCE COMPANY | $256 | $0 | $256 | 0.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 10375 RICHMOND AVENUE, SUITE 1700 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 395 | $1.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 278 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $102K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 395 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.