| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $159K | — | $159K | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $36K | $36K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 3.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL ROAD DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL ROAD DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| RICK METZELDER3 Filed as: RICK HAWKINS | — | COMBINED INSURANCE | $634 | — | $634 | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | COMBINED INSURANCE | $272 | — | $272 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL ROAD DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL ROAD DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $149 | — | $149 | 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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 112 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,540 | $710K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,540 | $710K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 635 | $550K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 635 | $550K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,187 | $4.5M |
| Other(9 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 635 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,540 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.