| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 10100 KATY FREEWAY SUITE 400 HOUSTON, NC 77043 | BLUECROSS BLUESHIELD OF TEXAS | $87K | $8K | $95K | 3.06% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $29K | — | $29K | 0.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 8.43% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE ST. FLR 17 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.57% |
| ANSAS WAY, LLC3 Filed as: ANSAS WAY LLC | 605 BRIAR RIDGE DR. BELLVILLE, TX 77418 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 28.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CTR DR. STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 21.30% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 1455 W. LOOP S. 9TH FLR HOUSTON, TX 77027 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | — | $779 | $779 | 1.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3318 W FRIENDLY AVENUE FL 4 GREENSBORO, NC 27410 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.55% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 1455 WEST LOOP S. 9TH FLR HOUSTON, TX 77027 | DEARBORN LIFE INSURANCE COMPANY | $774 | — | $774 | 2.46% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 415 | $3.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 415 | $3.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 176 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 413 | $190K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 413 | $190K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 413 | $190K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 534 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.