| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 89662 CHARLOTTE, NC 28289 | BLUECROSS BLUESHIELD OF TEXAS | $65K | — | $65K | 0.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $23K | $10K | $33K | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $106K | $95K | $201K | 3.77% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | — | $104K | $104K | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 0.25% |
| 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 | $33K | — | $33K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH, LTD. | — | CHUBB EUROPEAN GROUP SE | $45K | — | $45K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $761 | $13K | 5.58% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.01% |
| JED SKEETE3 | 10100 KATY FREEWAY HOUSTON, TX 77043 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| 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 | $6K | — | $6K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 89662 CHARLOTTE, NC 28289 | FIRST UNUM LIFE INSURANCE COMPANY | $53 | $7 | $60 | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $551K |
| FIRST UNUM LIFE INSURANCE CO. EIN 13-1898173 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4K |
| CIGNA | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $0 |
| CIGNA HEALTH & LIFE INSURANCE CO. | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan 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 | 9,237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 457 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 22,607 | $106.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $1.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,034 | $3.0M |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,008 | $11.0M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,572 | $5.6M |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,572 | $5.8M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $1.7M |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29,400 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,400 | — |
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.