<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 11-K
(Mark one)
/X/ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 1999
OR
/ / TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the transition period from to
Commission file number 0-20766
THE CENTRIS GROUP, INC.
EMPLOYEE SAVINGS PLAN
THE CENTRIS GROUP, INC.
(Name of Issuer of the securities held pursuant to the Plan)
13403 NORTHWEST FREEWAY
HOUSTON, TEXAS 77040
(Address of principal executive offices)
(713) 690-7300
(Registrant's telephone number, including area code)
------------
<PAGE>
REQUIRED INFORMATION
1. Audited Statement of Net Assets Available for Benefits as of December 31,
1999 and 1998. Incorporated by reference to The Centris Group, Inc.
Employee Savings Plan Financial Statements and Supplemental Schedules
attached hereto as Exhibit 99.1.
2. Audited Statement of Changes in Net Assets Available to Benefits for the
years ended December 31, 1999. Incorporated by reference to The Centris
Group, Inc. Employee Savings Plan Financial Statements and Supplemental
Schedules attached hereto as Exhibit 99.1.
3. Notes to Financial Statements. Incorporated by reference to The Centris
Group, Inc. Employee Savings Plan Financial Statements and Supplemental
Schedules attached hereto as Exhibit 99.1.
4. Schedule 1 -- Schedule of Assets Held for Investment purposes as of
December 31, 1999. Incorporated by reference to The Centris Group, Inc.
Employee Savings Plan Financial Statements and Supplemental Schedules
attached hereto as Exhibit 99.1.
5. Schedule 2 -- Schedule of Nonexempt Transactions for the year ended
December 31, 1999. Incorporated by reference to The Centris Group, Inc.
Employee Savings Plan Financial Statements and Supplemental Schedules
attached hereto as Exhibit 99.1.
EXHIBITS
--------
<TABLE>
<CAPTION>
Exhibit Description
------- -----------
<S> <C>
23.1 Consent of KPMG LLP
99.1 The Centris Group, Inc. Employee Savings Plan Financial
Statements and Supplemental Schedules
</TABLE>
<PAGE>
SIGNATURES
THE PLAN Pursuant to the requirements of the Securities Exchange Act of
1934, the administrator of The Centris Group, Inc. Employee
Savings Plan has duly caused this annual report to be signed on
its behalf by the undersigned thereunto duly authorized, in the
City of Houston, State of Texas, on the _____ day of July, 2000.
THE CENTRIS GROUP, INC.
EMPLOYEE SAVINGS PLAN
By: The Centris Group, Inc., Administrator
By: /s/ L. Edward Tuffly
---------------------------------------
Name:
-------------------------------------
Title:
------------------------------------
