| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 5080 SPECTRUM DR STE 900E ADDISON, TX 75001 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 10.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 818 STE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $749 | $8K | 8.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVE S BIRMINGHAM, AL 352332310 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | 5080 SPECTRUM DR STE 900E ADDISON, TX 750016407 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 13.21% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E 1ST ST STE 400 SANTA ANA, CA 927054078 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $395 | $5K | 11.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.08% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $108K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 467 | $18K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 282 | $87K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 282 | $87K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 282 | $87K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 282 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.