| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURANCE CORPORATION AGENCY3 | 3100 SOUTH GESSNER ROAD SUITE 560 HOUSTON, TX 77063 | RELIASTAR LIFE INSURANCE COMPANY | $28K | — | $28K | 7.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 7.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 250 WEST 1ST STREET SUITE 100 WINSTON SALEM, NC 27101 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 2.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 5080 SPECTRUM DRIVE ADDISON, TX 75001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORP | 3100 SOUTH GESSNER ROAD SUITE 560 HOUSTON, TX 77063 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.69% |
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 | 657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 800 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 800 | $3.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 748 | $40K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 657 | $370K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 657 | $370K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 657 | $370K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 657 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.