| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $16K | $12K | $28K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD HOUSTON, TX 77042 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FL DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCHESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $288 | $288 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $69 | $2K | 8.39% |
| DEACON CHARLES KAVANAUGH3 | 6804 N CAPITAL OF TEXAS HWY AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $981 | $236 | $1K | 5.06% |
| BRIAN COHEN3 | 6804 N CAPITAL OF TEXAS HWY AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $30 | $1K | 4.98% |
| LEWIS WATKINS FARMER AGENCY INC3 | PO BOX 9369 AUSTIN, TX 78766 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.28% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $311 | $993 | 4.13% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $385 | $400 | $785 | 3.26% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE CT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | $10 | $717 | 2.98% |
| KAREN WINRICH3 | 2401 WESTINGHOUSE ROAD GEORGETOWN, TX 78682 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $512 | $76 | $588 | 2.44% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $81 | $159 | 0.66% |
| CHARLENE CASTILLO3 | 1260 PR 3023 ELGIN, TX 78621 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| LES MILLER3 | 5663 MEADOW DRIVE ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 623 | $2.8M |
| Dental | AETNA LIFE INSURANCE CO. | 623 | $2.8M |
| Vision | AETNA LIFE INSURANCE CO. | 623 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 418 | $111K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 491 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.