| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 10100 KATY FWY SUITE 400 HOUSTON, TX 770435274 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 4.27% |
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PKWY STE 500 DALLAS, TX 752483354 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $2K | $21K | 1.96% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7701 AIRPORT CENTER BLVD SUITE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TX | 10100 KATY FWY SUITE 400 HOUSTON, TX 770435274 | UNITEDHEALTHCARE INSURANCE COMPANY | $29 | — | $29 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 10100 KATY FWY SUITE 400 HOUSTON, TX 770435274 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC. | 10100 KATY FWY SUITE 400 HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $429 | $1K | $2K | 3.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FWY SUITE 400 HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FWY SUITE 400 HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 18.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FWY SUITE 400 HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $684 | $4K | 18.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $2K | — | $2K | 13.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FWY SUITE 400 HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $329 | $2K | 18.87% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $52K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 203 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $27K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.