| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $435 | $15K | 10.71% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TN 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 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% |
| DENNIS M. ESARTE3 Filed as: DENNIS M ESARTE | 1300 N CUSTER ROAD #4107 ALLEN, TX 75013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $889 | $0 | $889 | 10.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $719 | $0 | $719 | 8.63% |
| WILMA GALE JOHNSON3 Filed as: WILMA G JOHNSON | 4100 WS ELDORADO PKWY SUITE 100 387 MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | $0 | $317 | 3.80% |
| GUSTAVO ARRIAGA II3 | 5237 N RIVERSIDE DR STE 207 FT. WORTH, TN 76137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | $0 | $164 | 1.97% |
| KERI NORTON3 Filed as: KERI M NORTON | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | $0 | $120 | 1.44% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TN 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.26% |
| DENNIS M. ESARTE3 Filed as: DENNIS M ESARTE | 1300 N CUSTER ROAD #4107 ALLEN, TX 75013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $983 | $0 | $983 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TN 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53 | $53 | $106 | 29.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $108K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | — | $72K |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $137K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $137K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $52K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $48K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $49K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.