| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | BLUECROSS BLUE SHIELD OF TEXAS | $150K | $0 | $150K | 4.32% |
| VALIANT ENTERPRISES5 | 12001 N CENTRAL EXPRESSWAY SUITE 1250 DALLAS, TX 75243 | BLUECROSS BLUE SHIELD OF TEXAS | $0 | $24 | $24 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF TEXAS LLC | 500 N CENTRAL EXPRESSWAY SUITE 550 PLANO, TX 75074 | BLUECROSS BLUE SHIELD OF TEXAS | $0 | $8 | $8 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - DALLA | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | -$315 | $39K | 14.21% |
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PKWY SUITE 700 DALLAS, TX 75254 | UNITEDHEALTHCARE INSURANCE COMPANY | -$29 | -$128 | -$157 | -0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGCY LLC | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | AMERICAN UNITED LIFE INSURANCE COMPANY | $45K | $4K | $49K | 21.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - DALLA | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 1.61% |
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 | 657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF TEXAS | 649 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 770 | $276K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 770 | $276K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 687 | $223K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 687 | $223K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 687 | $223K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 687 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.