| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TX | PO BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 9.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | DEARBORN LIFE INSURANCE COMPANY | $3K | $4K | $7K | 11.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | EYEMED VISION CARE | $729 | — | $729 | 7.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 5080 SPECTRUM DRIVE ADDISION, TX 75001 | EYEMED VISION CARE | $424 | — | $424 | 4.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 750016407 | METROPOLITAN LIFE INSURANCE COMPANY | $127 | — | $127 | 2.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 352332310 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 1.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 750016407 | METROPOLITAN LIFE INSURANCE COMPANY | $85 | — | $85 | 2.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 352332310 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72 | $72 | 2.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5080 SPECTRUM DR. STE. 900E ADDISON, TX 75001 | EYEMED VISION CARE | $3 | — | $3 | 4.62% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $77K |
| Vision(2 contracts) | EYEMED VISION CARE | 226 | $9K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 176 | $60K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 176 | $60K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 176 | $60K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 176 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.