| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $120K | $16K | $136K | 3.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | BLUECROSS BLUESHIELD OF TEXAS | $18K | — | $18K | 0.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 2.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 10110 KATY FREEWAY SUITE 400 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| PETER J MACE3 Filed as: PETER MACE | 5775 D GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBEL & WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $659 | — | $659 | 2.25% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1775 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $449 | — | $449 | 1.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 100.00% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 550 | $4.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 550 | $4.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 303 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 392 | $209K |
| Short-term disability | STANDARD INSURANCE COMPANY | 392 | $209K |
| Long-term disability | STANDARD INSURANCE COMPANY | 392 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.