| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEACHLEAF COURT SUITE 200 RALEIGH, NC 27604 | BLUECROSS BLUESHIELD OF TEXAS | $48K | — | $48K | 4.74% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $882 | $13K | 13.84% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | GUARDIAN | $8K | — | $8K | 19.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 114 WEST WALNUT STREET KOKOMO, IN 46901 | GUARDIAN | $3K | $962 | $4K | 11.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $497 | — | $497 | 1.85% |
| MCGRIFF INSURANCE SERVICES INC2 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $297 | — | $297 | 1.11% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 192 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $93K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $93K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $120K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $93K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $93K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.