| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD FLOOR 13 CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 4.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS, INC. | DRAWER 956 P.O. BOX 11407 BIRMINGHAM, AL 35246 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 3.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 2.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAM | 10100 KATY FREEWAY STE 400 HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 9.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS, INC. | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAM | 10100 KATY FREEWAY STE 400 HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAM | 10100 KATY FREEWAY STE 400 HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 13 CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF TEXAS INC | $298 | — | $298 | 4.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAM | DRAWER 456 PO BOX 11407 BIRMINGHAM, AL 352460456 | CIGNA DENTAL HEALTH OF TEXAS INC | $224 | — | $224 | 3.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA DENTAL HEALTH OF TEXAS INC | $180 | — | $180 | 2.57% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $3.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 227 | $220K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 227 | $213K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $129K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $46K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.