| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | STE 500 818 TOWN AND COUNTRY BLVD HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28.7M | $44K | $28.7M | 1075.17% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH SALDANA | P O BOX 9023549 SAN JUAN, PR 009023549 | MCS LIFE INSURANCE COMPANY | $18K | — | $18K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH SALDANA | BOX 9023549 SAN JUAN, PR 009023549 | DELTA DENTAL OF PUERTO RICO, INC | $2K | — | $2K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $318K |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $126K |
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 | 16,472 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 28,670 | $135.4M |
| Dental | DELTA DENTAL OF PUERTO RICO, INC | 25 | $25K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 10,973 | $1.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,472 | $2.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,472 | $2.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,472 | $2.7M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 28,670 | $134.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,670 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.