| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | AETNA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 8.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PENTHOUSE SUITE IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 15.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD HOUSTON, TX 77056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 22.69% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 512 | $221K |
| Vision | AETNA LIFE INSURANCE COMPANY | 512 | $221K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 512 | $338K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 23 | $14K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 291 | $117K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 512 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.