| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $23K | $2K | $26K | 1.58% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SLTNS | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HM INSURANCE GROUP | $43K | — | $43K | 15.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | UNITED CONCORDIA INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $16K | $179 | $17K | 20.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | STARR INDEMNITY AND LIABILITY COMPANY | $6K | — | $6K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | STARR INDEMNITY AND LIABILITY COMPANY | — | $6K | $6K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.03% |
| DENNIS M PETERSON3 Filed as: DENNIS PETERSON | P.O. BOX 1703 BOERNE, TX 78006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 2.05% |
| CHRISTINE MCCULLOUGH3 Filed as: CHRISTINE WINKENHOWER | 13333 BLANCO ROAD #318 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.71% |
| BENEFIT ALLIANCE INC3 Filed as: BENEFIT ALLIANCE, INC. | P.O. BOX 1703 BOERNE, TX 78006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.37% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 458 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 501 | $234K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 183 | $13K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 186 | $80K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 194 | $272K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 186 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.