| 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 | $28K | $0 | $28K | 13.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 8.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $163K |
| 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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $194K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $194K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $202K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $202K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $202K |
| Stop-loss / reinsurancereinsurance | SWISS RE - WESTPORT INSURANCE CORP | 172 | $392K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.