| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | COMBINED INSURANCE | $5K | — | $5K | 6.67% |
| RICK METZELDER3 Filed as: RICK HAWKINS | — | COMBINED INSURANCE | $636 | — | $636 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL ROAD DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $963 | $963 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL ROAD DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL ROAD DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC - DALL | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | LEGALPLANS, USA | $2K | — | $2K | 10.00% |
| 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 | 778 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,971 | $921K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,971 | $921K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 859 | $652K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 859 | $652K |
| Other(9 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 859 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,971 | — |
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.