| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $10 | $61K | 3.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $24 | $31K | 1.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $291 | $291 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $10K | $35K | 7.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.01% |
| RUEBEN WARNER ASSOCIATES, INC.3 Filed as: RUEBEN WARNER & ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $47K | $47K | 16.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | FEDERAL INSURANCE COMPANY | $44K | — | $44K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | ARAG SERVICES, LLC - TEXAS | $13K | — | $13K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.0M |
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 ADMIN SRVC PROVIDER | Plan Administrator Service code 14 | — | $39K |
| EMPLOYER OPTIONS, LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 208 AMBRIDGE, PA 15003 | $852 |
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 | 1,286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 109 | $679K |
| Vision | VISION SERVICE PLAN | 1,235 | $264K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,291 | $1.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,275 | $497K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,236 | $298K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 1,286 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,291 | — |
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.