| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $448K | $37K | $485K | 5.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170K | $170K | $340K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | FEDERAL INSURANCE COMPANY | $226K | — | $226K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $204K | — | $204K | 13.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182K | — | $182K | 18.46% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 0.87% |
| JASON A NAVILLE3 | 14220 OVERBROOK DR CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.54% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.24% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.13% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $779 | — | $779 | 0.08% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $757 | — | $757 | 0.08% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 9247 N MERIDIAN ST SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $622 | — | $622 | 0.06% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DRIVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $451 | — | $451 | 0.05% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.01% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 8333 CATCH FLY DRIVE PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | ARAG SERVICES, LLC | $35K | — | $35K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD HOUSTON, TX 77024 | FEDERAL INSURANCE COMPANY | $47K | — | $47K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $47K | — | $47K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 14.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, TX 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6K | $6K | 3.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 16.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $624 | $624 | 4.51% |
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 | 8,168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 2 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 8,184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,167 | $11.2M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,827 | $8.7M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,030 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,167 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.