| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORT WORTH, TX 76102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | — | $19K | 4.49% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE WALNUT GLEN TOWER 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37K | — | $37K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE WALNUT GLEN TOWER 16TH FLOOR DALLAS, TX 75231 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $182 | — | $182 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE WALNUT GLEN TOWER 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 2500 BEE CAVE ROAD SUITE 125 AUSTIN, TX 78746 | VISION SERVICE PLAN | $2K | — | $2K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE WALNUT GLEN TOWER 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORT WORTH, TX 76102 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $624 | — | $624 | 4.56% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $63 | — | $63 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORT WORTH, TX 76102 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $569 | — | $569 | 4.55% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $57 | — | $57 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORT WORTH, TX 76102 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $557 | — | $557 | 4.56% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $56 | — | $56 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORTH WORTH, TX 76102 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $378 | — | $378 | 4.56% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $38 | — | $38 | 0.46% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $252 | — | $252 | 3.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE SUITE 500 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORT WORTH, TX 76102 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $269 | — | $269 | 4.56% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $27 | — | $27 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORT WORTH, TX 76102 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $211 | — | $211 | 4.56% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $21 | — | $21 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE WALNUT GLEN TOWER 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $502 | — | $502 | 14.99% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $217 | — | $217 | 7.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93 | — | $93 | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORT WORTH, TX 76102 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $70 | — | $70 | 4.54% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $7 | — | $7 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORT WORTH, TX 76102 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $54 | — | $54 | 4.52% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $5 | — | $5 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE STREET SUITE 2201 FORT WORTH, TX 76102 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $39 | — | $39 | 4.60% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $4 | — | $4 | 0.47% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $18 | — | $18 | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE SUITE 500 SAN DIEGO, CA 92122 | FIRST UNUM LIFE INSURANCE COMPANY | $8 | — | $8 | 1.54% |
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 | 756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(10 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 737 | $475K |
| Vision | VISION SERVICE PLAN | 577 | $76K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,091 | $121K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,654 | $380K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 503 | $119K |
| Other(7 contracts, 5 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,091 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,091 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.