| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | 5080 SPECTRUM DR #900E ADDISON, TX 75001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | $1K | $17K | 10.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SIEBELS & WILLIAMS, INC. | PO BOX 10265 BIRMINGHAM, AL 352020265 | VISION SERVICE PLAN | $1K | — | $1K | 1.63% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $297 | — | $297 | 0.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 10100 KATY FWY STE 400 HOUSTON, TX 77043 | STANDARD INSURANCE COMPANY | $8K | $2K | $10K | 15.56% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.71% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 10100 KATY FWY STE 400 HOUSTON, TX 77043 | STANDARD INSURANCE COMPANY | $7K | $2K | $9K | 15.49% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 PO BOX CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 10100 KATY FWY STE 400 HOUSTON, TX 77043 | STANDARD INSURANCE COMPANY | $5K | $2K | $6K | 11.31% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.35% |
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 | 189 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 253 | $154K |
| Vision | VISION SERVICE PLAN | 458 | $65K |
| Life insurance | STANDARD INSURANCE COMPANY | 157 | $58K |
| Short-term disability | STANDARD INSURANCE COMPANY | 91 | $62K |
| Long-term disability | STANDARD INSURANCE COMPANY | 285 | $54K |
| Prescription drug(3 contracts) | SCRIPT CARE, LTD. | 344 | $682K |
| Other | STANDARD INSURANCE COMPANY | 157 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.