| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 10100 KATY FWY STE 400 HOUSTON, TX 770435274 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 4.71% |
| FOSTER BENEFIT RESOURCES INC3 | 15660 DALLAS PKWY STE 500 DALLAS, TX 752483354 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 750016407 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 12.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3150 MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | — | $954 | $954 | 0.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER BLVD GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | — | $411 | $411 | 0.42% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 43 | $420K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $98K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $98K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $98K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $98K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.