| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 818 TOWN AND COUNTRY BOULEVARD SUITE 500 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $556K | $175K | $730K | 6.03% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $274K | $32K | $306K | 2.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 10100 KATY FREEWAY, SUITE 400 HOUSTON, TX 77043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $6K | $97K | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | $0 | $44 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132K | $15K | $147K | 19.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 10100 KATY FREEWAY, SUITE 400 HOUSTON, TX 77043 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44K | $3K | $47K | 6.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 0.22% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | UNKNOWN BIRMINGHAM, AL 35243 | TRIPLE S SALUD, INC | $29K | $0 | $29K | 5.00% |
| CHRISTIANSEN INSURANCE GROUP, INC.3 Filed as: CHRISTIANSEN INSURANCE, INC. | PO BOX 11992 SAN JUAN, PR 00922 | DELTA DENTAL OF PUERTO RICO, INC. | $2K | $0 | $2K | 7.00% |
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 | 19,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 253 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 208 | $2.0M |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 180 | $35K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,513 | $2.3M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36,934 | $12.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36,934 | $12.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36,934 | $12.1M |
| Prescription drug(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 208 | $2.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36,934 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,934 | — |
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.