| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $588K | $139K | $727K | 5.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 2211 7TH AVE. S BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23K | $23K | 0.19% |
| 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 | $197K | $190K | $387K | 3.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | FEDERAL INSURANCE COMPANY | $254K | — | $254K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $229K | — | $229K | 13.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133K | — | $133K | 14.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS INC. | P.O. BOX 10265 BIRMINGHAM, AL 35233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 2.43% |
| JOHN T CLANCY3 Filed as: JOHN T. CLANCY | 4025 PETE DYE BLVD. CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.00% |
| JASON A NAVILLE3 Filed as: JASON A. NAVILLE | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.33% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $1K | $1K | 0.13% |
| MATTHEW A COOK3 Filed as: MATTHEW A. COOK | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $457 | — | $457 | 0.05% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | — | $364 | 0.04% |
| AMY N GEHLHAUSEN3 Filed as: AMY N. GEHLHAUSEN | 3115 HOWARD DRIVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $262 | — | $262 | 0.03% |
| KEVIN F WARD3 Filed as: KEVIN F. WARD | 12632 DOUBLE EAGLE DR. CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.01% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L. ROWE | 8333 CATCH FLY DRIVE PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | ARAG SERVICES, LLC | $46K | — | $46K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | FEDERAL INSURANCE COMPANY | $47K | — | $47K | 14.86% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $47K | — | $47K | 14.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44K | — | $44K | 14.68% |
| 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 | $20K | $20K | 6.59% |
| 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 | $4K | $88 | $4K | 15.94% |
| 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 | $3K | $3K | 9.57% |
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 | 8,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,102 | $12.4M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,754 | $10.2M |
| Other(4 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 7,774 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,102 | — |
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.