| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 3.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 5080 SPECTRUM DR. SUITE 900E ADDISON, TX 75001 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.30% |
| MCGRIFF INSURANCE SERVICES INC3 | 5080 SPECTRUM DR. SUITE 900E ADDISON, TX 750016407 | METROPOLITAN LIFE INSURANCE COMPANY | $718 | $0 | $718 | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $475 | $475 | 1.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBLS & WILLIAMS | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 750016407 | METROPOLITAN LIFE INSURANCE COMPANY | $312 | $0 | $312 | 0.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54 | $54 | 0.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC. | 2211 7TH AVE S BIRMINGHAM, AL 352332310 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $957 | $3K | 16.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TX IN | 818 TOWN AND COUNTRY BLVD STE 500 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $747 | $0 | $747 | 3.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $669 | $2K | 16.03% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MCGRIFFSEIBELS & WILLIAMS OF TX INC | 818 TOWN AND COUNTRY BLVD STE 500 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $527 | $0 | $527 | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $618 | $2K | 16.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TX IN | 818 TOWN AND COUNTRY BLVD STE 500 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $475 | $0 | $475 | 3.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $521 | $182 | $703 | 15.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TX IN | 818 TOWN AND COUNTRY BLVD STE 500 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $157 | $0 | $157 | 3.47% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $944K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $43K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $944K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $14K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
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.