| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-WALNUT | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $67K | $82K | 5.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | COMPANION LIFE INSURANCE COMPANY | $20K | — | $20K | 31.07% |
| STEVE MCBRIDE3 | 6300 FALLWATER TRAIL 15 TH FLOOR THE COLONY, TX 75056 | COMPANION LIFE INSURANCE COMPANY | $680 | — | $680 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $121 | $121 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC | SUITE 1600 8144 WALNUT HILL LANE DALLAS, TX 75231 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $346 | — | $346 | 9.82% |
| BOWIE BALLARD3 | APARTMENT 1014 411 BUCKINGHAM ROAD RICHARDSON, TX 75081 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | — | $35 | 0.99% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 426 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 426 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 426 | $1.4M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 355 | $112K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 355 | $112K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 355 | $112K |
| Other(4 contracts, 4 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 355 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.