| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $52K | — | $52K | 4.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $9K | $21K | 18.97% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 12222 MERIT DR STE 1780 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY STE 2500 HOUSTON, TX 77019 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.46% |
| ROGERS BENEFIT GROUP INC3 | 12222 MERIT DR STE 1780 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | — | $795 | $795 | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | DEARBORN LIFE INSURANCE COMPANY | — | $449 | $449 | 5.05% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 192 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $113K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $113K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $122K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 125 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.