| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA | $48K | $0 | $48K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE | $17K | $0 | $17K | 9.32% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD SUITE 130 DALLAS, TX 75254 | NATIONAL GUARDIAN LIFE INSURANCE | $9K | $0 | $9K | 4.66% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD SUITE 130 DALLAS, TX 75254 | NATIONAL GUARDIAN LIFE INSURANCE | $6K | $0 | $6K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE | $6K | $0 | $6K | 3.42% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD SUITE 130 DALLAS, TX 75254 | NATIONAL GUARDIAN LIFE INSURANCE | $1K | $0 | $1K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE | $1K | $0 | $1K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 16.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 16.62% |
| HOORAY HEALTH LLC3 | 14755 PRESTON ROAD STE 130 DALLAS, TX 75254 | AMERITAS LIFE INSURANCE CORP. | $15K | $0 | $15K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $3K | $9K | 21.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 11.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNA AGENCY LLC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 20.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 16.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | CURALINC, LLC | $2K | $0 | $2K | 12.49% |
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 | 1,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 99 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL GUARDIAN LIFE INSURANCE | 98 | $187K |
| Dental(3 contracts, 3 carriers) | CIGNA | 1,044 | $1.9M |
| Vision(3 contracts, 3 carriers) | CIGNA | 1,044 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $135K |
| Short-term disability(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,043 | $142K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,043 | $136K |
| Stop-loss / reinsurancereinsurance | CIGNA | 1,044 | $1.7M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,044 | — |
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.