| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC / KING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $220K | — | $220K | 5.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC / KING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $177K | — | $177K | 6.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR WALNUT GLEN TOWER DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $1K | $13K | 16.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR WALNUT GLEN TOWER DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $948 | $10K | 16.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC DBA MOM | 2500 BEE CAVE ROAD SUITE 125 AUSTIN, TX 78746 | VISION SERVICE PLAN | $2K | — | $2K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR WALNUT GLEN TOWER DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $606 | $5K | 11.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $634 | $34 | $668 | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $169 | $169 | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR WALNUT GLEN TOWER DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $779 | $3K | 19.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $91 | $34 | $125 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $43 | $34 | $77 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR WALNUT GLEN TOWER DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106 | $82 | $188 | 26.70% |
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 | 3,718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 843 | $6.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 765 | $3.8M |
| Vision | VISION SERVICE PLAN | 364 | $44K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 834 | $76K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 322 | $81K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 322 | $40K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 843 | $6.7M |
| Other(9 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 834 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.