| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $73K | $84K | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TN 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DR. #1230 DALLAS, TX 75251 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $408 | $0 | $408 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TN 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73 | $0 | $73 | 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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $44K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $44K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $39K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.