| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | P.O. BOX 896620 SUITE 900 E CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 9.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER BLVD SUITE 1800 GREENSBORO, NC 27409 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVE S BIRMINGHAM, AL 352332310 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.74% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS INC. | 2500 ELMERTON AVE HARRISBURG, PA 17177 | DEARBORN LIFE INSURANCE COMPANY | — | $931 | $931 | 1.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 5080 SPECTRUM DRIVE SUITE 900 E ADDISON, TX 75230 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 29.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $280 | $280 | 2.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5080 SPECTRUM DRIVE ADDISON, TX 75001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $145 | — | $145 | 13.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $87 | — | $87 | 8.20% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 192 | $130K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 42 | $1K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 202 | $65K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 202 | $65K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 202 | $65K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 202 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.