| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $111K | $10K | $121K | 0.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $141K | $120K | $260K | 3.87% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 0.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62K | $62K | 1.06% |
| NATIONAL OILWELL VARCO3 | 7909 PARKWOOD CIRCLE HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60K | $60K | 1.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | — | $50K | 0.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 10900 CORPORATE CENTRE DRIVE SUITE 200 HOUSTON, TX 77041 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 2.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 10900 CORPORATE CENTRE DRIVE SUITE 200 HOUSTON, TX 77041 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS, INC. | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $96 | $15K | 5.47% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 1.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS, INC. | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $512 | $3K | 1.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITEF GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $64 | $64 | 0.02% |
| JED SKEETE3 | 10100 KATY FREEWAY HOUSTON, TX 77043 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | FEDERAL INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 89662 CHARLOTTE, NC 28289 | FIRST UNUM LIFE INSURANCE COMPANY | $37 | $5 | $42 | 16.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $634K |
| FIRST UNUM LIFE INSURANCE CO. EIN 13-1898173 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4K |
| CIGNA | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $0 |
| CIGNA HEALTH & LIFE INSURANCE CO. | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $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 | 9,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,366 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 24,934 | $132.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $2.4M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,805 | $4.0M |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,491 | $13.2M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,677 | $7.0M |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,677 | $7.3M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $2.4M |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,491 | $13.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,934 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.