| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | BLUECROSS BLUESHIELD OF TEXAS | $73K | $5K | $78K | 2.29% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | BLUECROSS BLUESHIELD OF TEXAS | $25K | — | $25K | 0.74% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3318 W FRIENDLY AVE FL 4 GREENSBORO, NC 27410 | DEARBORN LIFE INSURANCE COMPANY | $34K | — | $34K | 10.13% |
| JOSEPH F DOWD JR.3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 3.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | DEARBORN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.51% |
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 | 736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 813 | $3.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 813 | $3.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 736 | $340K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 736 | $340K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 736 | $340K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 736 | $340K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 736 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.