| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | BLUECROSS BLUESHIELD OF TEXAS | $36K | — | $36K | 0.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $13K | $13K | $25K | 0.20% |
| TRUVERIS, INC3 Filed as: TRUVERIS | 3 BEAVER VALLEY ROAD SUITE 103 WILMINGTON, DE 19803 | BLUECROSS BLUESHIELD OF TEXAS | — | $18K | $18K | 0.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $58K | $12K | $70K | 13.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | P.O. BOX 10265 BIRMINGHAM, AL 35202 | VISION SERVICE PLAN | $2K | — | $2K | 1.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 20.00% |
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 | 894 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 2,396 | $12.7M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 2,396 | $12.7M |
| Vision | VISION SERVICE PLAN | 833 | $137K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 977 | $536K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 977 | $536K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 977 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,396 | — |
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.