| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 5080 SPECTRUM DRIVE STE 900E ADDISON, TX 750016407 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 7.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 818 TOWN AND COUNTRY BLVD. SUITE 500 HOUSTON, TX 770244549 | METROPOLITAN LIFE INSURANCE COMPANY | — | $881 | $881 | 0.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TX IN | 818 TOWN AND COUNTRY BLVD STE 500 HOUSTON, TX 770244549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $3K | $32K | 16.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | 818 TOWN AND COUNTRY BLVD STE 500 HOUSTON, TX 770244549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $1K | $16K | 16.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | 5080 SPECTRUM DRIVE STE 900E ADDISON, TX 750016407 | VISION SERVICE PLAN | $2K | — | $2K | 4.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | 818 TOWN AND COUNTRY BLVD STE 500 HOUSTON, TX 770244549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $564 | $6K | 16.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | 818 TOWN AND COUNTRY BLVD STE 500 HOUSTON, TX 770244549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $950 | $98 | $1K | 16.55% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,150 | $221K |
| Vision | VISION SERVICE PLAN | 381 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $196K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $97K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,150 | — |
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.