| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 10100 KATY FWY SUITE 400 HOUSTON, TX 77043 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $0 | $42K | 4.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 5080 SPECTRUM DR STE 900E ADDISON, TX 75001 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 5080 SPECTRUM DR STE 900E ADDISON, TX 75001 | UNITEDHEALTHCARE INSURANCE COMPANY | $283 | $1K | $2K | 0.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $956 | $0 | $956 | 0.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TX IN | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TX IN | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.79% |
| MCGRIFF INSURANCE SERVICES INC3 | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS&WILLIAMS OF TX INC | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS&WILLIAMS OF TX INC | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $948 | $0 | $948 | 6.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS&WILLIAMS OF TX INC | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $798 | $798 | 5.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS&WILLIAMS OF TX INC | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS&WILLIAMS OF TX INC | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $865 | $0 | $865 | 5.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS&WILLIAMS OF TX INC | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $725 | $725 | 4.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS&WILLIAMS OF TX INC | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $397 | $0 | $397 | 8.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS&WILLIAMS OF TX INC | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $281 | $0 | $281 | 6.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS&WILLIAMS OF TX INC | 10100 KATY FWY HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $233 | $233 | 5.15% |
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 | 102 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $1.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $16K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.