| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 818 TOWN AND COUNTRY BLVD. SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $63K | $6K | $69K | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | SUN LIFE ASSURANCE OF CANADA | $113K | — | $113K | 13.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 30342 | UNIMERICA INSURANCE COMPANY | $26K | — | $26K | 3.71% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF GA | 5605 GLENRIDGE DRIVE SUITE 300 ATLANTA, GA 30342 | UNIMERICA INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD, STE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | $7K | $60K | 15.66% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE CO. OF CANADA EIN 38-1082080 CONSULTANT | Claims processing Service code 12 | — | $65K |
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 | 1,570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 4,061 | $18.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 4,061 | $18.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,549 | $382K |
| Life insurance | SUN LIFE ASSURANCE OF CANADA | 1,722 | $816K |
| Long-term disability | SUN LIFE ASSURANCE OF CANADA | 1,722 | $816K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,609 | $706K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE OF CANADA | 1,722 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,061 | — |
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."
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.