| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 78001 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $3K | $3K | 0.14% |
| CL SCOTT CORPORATE INSURANCE SVCS3 | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $397 | — | $397 | 0.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEBEILS & WILLIAMS OF TX | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14 | $14 | 0.02% |
| CL SCOTT CORPORATE INSURANCE SVCS3 | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $277 | $277 | 0.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $20 | $20 | 0.04% |
| CL SCOTT CORPORATE INSURANCE SVCS3 | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $114 | $114 | 0.53% |
| CL SCOTT CORPORATE INSURANCE SVCS3 | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $622 | — | $622 | 10.00% |
| CL SCOTT CORPORATE INSURANCE SVCS3 | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $28 | $28 | 0.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13 | $13 | 0.24% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 572 | $2.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 227 | $101K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 195 | $6K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $22K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.