| 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 | $14K | $14K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $6K | $53K | 16.74% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $8K | $24K | 23.28% |
| 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 | $3K | $597 | $3K | 3.31% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $7K | $22K | 23.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARH & MCLENNAN AGENCY LLC | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $541 | $3K | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 18.06% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $4K | $15K | 22.54% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $276 | $2K | 3.13% |
| BRET BOEGER3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | COMBINED INSURANCE | $8K | $0 | $8K | 19.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNA AGENCY | WALNUT GLEN TOWER 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | COMBINED INSURANCE | $2K | $0 | $2K | 4.83% |
| BRET BOEGER3 | 14 O STREET LOTWANA, MO 64086 | NATIONWIDE | $2K | $0 | $2K | 4.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | NATIONWIDE | $2K | $0 | $2K | 4.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $754 | $754 | 2.53% |
| BRET BOEGER3 | 14 O STREET LATWANA, MO 64086 | AMERITAS | $888 | $0 | $888 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | AMERITAS | $888 | $0 | $888 | 5.00% |
| BRET BOEGER3 | 14 O STREET LOTWANA, MO 64086 | CRUM & FORSTER | $48 | $0 | $48 | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | CRUM & FORSTER | $48 | $0 | $48 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $960K |
| INTEGRO USA EIN 20-2600995 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 | 1,206 | 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) | 1,206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,118 | $805K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,118 | $805K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,104 | $423K |
| Short-term disability(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,104 | $620K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,104 | $348K |
| Prescription drug | RXBENEFITS, INC. | 1,089 | $777K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS | 1,066 | $407K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,104 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,118 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.