| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 10100 KATY FWY STE 400 HOUSTON, TX 770435267 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $10 | $12K | 6.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $24 | $10K | 6.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 2211 7TH AVE SOUTH BIRMINGHAM, AL 352332310 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.61% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | — | $912 | $912 | 0.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 276124959 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVE SOUTH PO BOX 10265 BIRMINGHAM, AL 352332310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 14.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $579 | $2K | 1.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVE SOUTH PO BOX 10265 BIRMINGHAM, AL 352332310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $451 | $277 | $728 | 1.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVE SOUTH PO BOX 10265 BIRMINGHAM, AL 352332310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $412 | $243 | $655 | 1.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVE SOUTH PO BOX 10265 BIRMINGHAM, AL 352332310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $152 | $83 | $235 | 1.56% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $167K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $167K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $103K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $50K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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.