| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 10100 KATY FWY SUITE 400 HOUSTON, TX 770435274 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 4.98% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STRET SUITE 1100 CHICAGO, IL 606543454 | UNITEDHEALTHCARE INSURANCE COMPANY | $28 | — | $28 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 10100 KATY FWY SUITE 400 HOUSTON, TX 770435274 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 5.44% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 606543454 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$31 | -$31 | -0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FWY SUITE 400 HOUSTON, TX 770435267 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS, INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 352332310 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 606543452 | METROPOLITAN LIFE INSURANCE COMPANY | — | $192 | $192 | 0.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FREEWAY #400 HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $359 | $3K | 5.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $922 | — | $922 | 6.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FREEWAY #400 HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $516 | $79 | $595 | 4.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $646 | — | $646 | 6.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FREEWAY #400 HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $360 | $55 | $415 | 4.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WIILAMS, INC. | PO BOX 10265 BIRMINGHAM, AL 352020265 | VISION SERVICE PLAN | $794 | — | $794 | 10.81% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SEVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 606543454 | VISION SERVICE PLAN | $1 | — | $1 | 0.01% |
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 | 420 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $79K |
| Vision | VISION SERVICE PLAN | 49 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $10K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
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.