| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $638 | $5K | 13.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 9.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $352 | $3K | 15.45% |
| BH PREFERRED LLC3 Filed as: BH PREFERRED | SUITE 126-281 2817 WEST END AVE NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $881 | $881 | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $3K | $496 | $4K | 22.25% |
| FOUNDATION BENEFITS LLC3 Filed as: FOUNDATION BENEFITS, LLC | 203 N BLUME WEST, TX 76691 | UNUM INSURANCE COMPANY | $386 | — | $386 | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $181 | $1K | 12.47% |
| BH PREFERRED LLC3 Filed as: BH PREFERRED | STE 126-281 2817 WEST END AVE NASHVILLE, TN 37203 | STARMOUNT LIFE INSURANCE COMPANY | — | $451 | $451 | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $2K | $170 | $2K | 18.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $148 | $1K | 15.64% |
| BH PREFERRED LLC3 Filed as: BH PREFERRED | SUITE 126-281 2817 WEST END AVE NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $370 | $370 | 4.60% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 124 | $43K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 73 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $34K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.