| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $307K | — | $307K | 3.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SIEBELS AND WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | EXPRESS SCRIPTS, INC. | $156K | — | $156K | 1.88% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE CO. | $860K | — | $860K | 11.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | UNITED AMERICAN INSURANCE CO. | $172K | — | $172K | 2.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $3 | $54K | 4.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS INC. | 2211 7TH AVE S. BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.54% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.39% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 276123908 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $172 | $172 | 0.02% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,192 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 138 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 446 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 5,776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE CO. | 3,341 | $7.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,107 | $1.1M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 3,341 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,107 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.