| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $17K | $17K | 2.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $10K | $68K | 17.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.74% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $6K | $19K | 19.20% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $6K | $17K | 19.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNA AGENCY LLC | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 18.35% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $4K | $12K | 19.45% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.00% |
| NATIONAL INSURANCE MARKETING BROKER3 | 2650 MCCORMICK DRIVE CLEARWATER, FL 33759 | ARAG SERVICES, LLC | $1K | $0 | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $954K |
| MARSH & MCLENNAN EIN 26-3237576 BROKER | Other commissions Service code 55 | — | $0 |
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 | 1,199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 179 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,311 | $799K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,311 | $799K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,199 | $451K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,199 | $384K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,199 | $486K |
| Prescription drug | RXBENEFITS, INC. | 1,208 | $906K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | 0 | $936K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,199 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,311 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.