| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | — | $73K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 35233 | VISION SERVICE PLAN | $9K | — | $9K | 4.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF,SEIBELS & WILLIAMS, INC. | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | VISION SERVICE PLAN | $304 | — | $304 | 0.14% |
| DIRECTPATH, LLC3 | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $52 | $3K | 3.65% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH STREET LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $874 | $54 | $928 | 2.66% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86 STREET LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $576 | — | $576 | 1.65% |
| DIRECTPATH, LLC3 | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $382 | — | $382 | 1.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $2K | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS EIN 36-1236610 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.0M |
| MCGRIFF, SEIBELS & WILLIAMS INSURANCE BROKER | Insurance agents and brokers Service code 22 | 818 TOWN AND COUNTRY BOULEVARD SUITE 500 HOUSTON, TX 77024 | $0 |
| MCGRIFF, SEIBELS AND WILLIAMS | Insurance agents and brokers Service code 22 | — | $0 |
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 | 1,548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,322 | $216K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,548 | $1.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,548 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,548 | $1.5M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 3,648 | $1.2M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,548 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,648 | — |
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.