| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $110K | — | $110K | 2.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | BLUECROSS BLUESHIELD OF TEXAS | $100K | $3K | $103K | 2.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3318 W. FRIENDLY AVE FL 4 GREENSBORO, NC 27410 | DEARBORN LIFE INSURANCE COMPANY | $70K | — | $70K | 19.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERCICES INC | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $30K | $4K | $35K | 11.32% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $13K | $1K | $14K | 9.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 8.43% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $3K | $464 | $4K | 11.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 3975 FAIR RIDGE DRIVE SUITE 110 FAIRFAX, VA 22033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $410 | — | $410 | 10.01% |
| TGNR HOLDCO INC.3 | 717 TEXAS AVE STE 2000 HOUSTON, TX 77002 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 8916.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICS INC | 7701 AIRPORT CTR DR. STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $18 | — | $18 | 20.22% |
| TGNR HOLDCO INC.3 | 717 TEXAS AVE STE 2000 HOUSTON, TX 77002 | STANDARD INSURANCE COMPANY | — | $12K | $12K | — |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR. STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | -$1K | — | -$1K | — |
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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 820 | $4.4M |
| Dental | STANDARD INSURANCE COMPANY | 279 | $305K |
| Vision | STANDARD INSURANCE COMPANY | 288 | $35K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 401 | $358K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 401 | $358K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 401 | $359K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 820 | $4.4M |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 401 | $521K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.