| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $86K | $3K | $89K | 5.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 14.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC TX CMU | 13155 NOEL RD, SUITE 1400 DALLAS, TX 75240 | DEARBORN LIFE INSURANCE COMPANY | $5 | $7K | $7K | 4.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | DEARBORN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $24 | $2K | 12.03% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LANE MANSFIELD, TX 76063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $333 | $43 | $376 | 2.99% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $32 | $267 | 2.12% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $85 | $208 | 1.65% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 76063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $17 | $190 | 1.51% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOKE DR OLATHE, KS 66062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $2 | $30 | 0.24% |
| CLARICE R MIMS3 | 17290 HIGHLAND AVE, APT 2B JAMAICA, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.22% |
| RON BOWLING3 | 8575 W 110TH ST, STE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | — | TELADOC | $992 | $0 | $992 | 15.01% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 221 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 221 | $1.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 143 | $133K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 143 | $146K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 143 | $133K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 143 | $133K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 143 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
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.