| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY STE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 6.70% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | SUITE 2500 2929 ALLEN PARKWAY HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $236 | — | $236 | 2.94% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | — | $61 | 0.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 0.51% |
| HARDGRAVE INSURANCE AGENCY3 Filed as: HARDGRAVE, RYAN, WILLIAM | PO BOX 795008 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$36 | — | -$36 | -0.45% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $255 | — | $255 | 3.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $115 | — | $115 | 1.50% |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $196K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $196K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $203K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $196K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $196K |
| Other(3 contracts, 3 carriers) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 133 | $615K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.