| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | COMPANION LIFE | $53K | — | $53K | 7.74% |
| SUMMIT RISK ADVISORS LLC DBA SA BEN3 | 11844 BANDERA ROAD SUITE 429 HELOTES, TX 78023 | COMPANION LIFE | $25K | — | $25K | 3.65% |
| SA BENEFIT SERVICES3 | 11844 BANDERA ROAD SUITE 429 HELOTES, TX 78023 | COMPANION LIFE | $25K | — | $25K | 3.60% |
| FIRST FINANCIAL CAPITAL CORPORATION3 | 16945 NORTHCHASE DRIVE SUITE 1800 HOUSTON, TX 77060 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | — | $33K | 7.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 5.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $823 | — | $823 | 5.95% |
| ERIC D. SMITH3 | P.O. BOX 92398 SOUTHLAKE, TX 76092 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $561 | — | $561 | 4.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $49K |
| INTERMOUNTAIN UNDERWRITERS EIN 81-0425785 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | — | $5K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4K |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 615 | $423K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 183 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 615 | $423K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 615 | $423K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 615 | $423K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 179 | $685K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.