| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF, SIEBELS & WILLIAMS OF TEXA | 818 TOWN AND COUNTRY BLVD STE 500 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $592K | $186K | $778K | 5.98% |
| N/A | — | GEISINGER HEALTH PLAN | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF, SIEBELS & WILLIAMS INC | P O BOX 10265 HOUSTON, TX 77024 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF SEIBELS & WILLIAMS | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CGF INSURANCE LLC | — | TRIPLE S SALUD, INC | — | — | $0 | 0.00% |
| CHRISTIANSEN INSURANCE GROUP, INC. Filed as: CHRISTIANSEN INSURANCE | P O BOX 11992 SANJUAN, PR 00922 | DELTA DENTAL OF PUERTO RICO,INC | $2K | — | $2K | 7.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF,SEIBELS & WILLIAMS OF TEXAS | — | BLUE CROSS BLUE SHIELD OF TEXAS | — | $10K | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $574K |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 | Other services; Claims processing Service code 12 | — | $115K |
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 | 18,216 | 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) | 18,216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GEISINGER HEALTH PLAN | 31,592 | $2.0M |
| Dental | DELTA DENTAL OF PUERTO RICO,INC | 184 | $25K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,261 | $2.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,216 | $13.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,216 | $13.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,216 | $13.0M |
| Prescription drug(3 contracts, 3 carriers) | GEISINGER HEALTH PLAN | 31,592 | $2.0M |
| Other | TRIPLE S SALUD, INC | 182 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,592 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.