| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: WORTHAM, MARSH MCLENNAN AGENCY | 1600 W 7TH ST STE 300 FORT WORTH, TX 761022506 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MBLENNAN AGENCY LLC | 8144 WALNUT HILL LN #15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $776 | $776 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC-WORTHAM FORT WORTH | 1600 W. 7TH STREET SUITE 300 FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | -$190 | — | -$190 | -0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1600 W 7TH ST FORT WORTH, TX 76102 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 12.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORPORATION | — | $604 | $604 | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.16% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS- SEE ATTACHED LIST | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 29.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1600 W SEVENTH STREET SUITE 300 FORT WORTH, TX 761022505 | AMERITAS LIFE INSURANCE CORPORATION | $639 | — | $639 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $480 | — | $480 | 14.99% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $822K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 173 | $34K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 129 | $6K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $16K |
| Other(2 contracts, 2 carriers) | AFLAC | 115 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.