| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC TX | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | FORT DEARBORN LIFE INSURANCE COMPANY | $40K | $0 | $40K | 10.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | PO BOX 350 CONSHOHOCKEN, PA 19428 | FORT DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $12K | $10K | $22K | 8.91% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $12K | $10K | $22K | 8.91% |
| CRYSTAL J MULVILLE3 Filed as: CRYSTAL JASPER MULVILLE | 6 WYNNOAK DR THE WOODLANDS, TX 77382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 13.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 11.27% |
| ELIZABETH ANN FIFFIE3 | 31335 KENSWICK GROVE LN FULSHEAR, TX 77441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.93% |
| VICKIE D GRAVES3 | 16340 PARK TEN PL HOUSTON, TX 77084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.27% |
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 | 601 | 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) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | BLUECROSS BLUESHIELD OF TEXAS | 689 | $499K |
| Life insurance | FORT DEARBORN LIFE INSURANCE COMPANY | 598 | $391K |
| Short-term disability | FORT DEARBORN LIFE INSURANCE COMPANY | 598 | $391K |
| Long-term disability | FORT DEARBORN LIFE INSURANCE COMPANY | 598 | $391K |
| Other(3 contracts, 3 carriers) | FORT DEARBORN LIFE INSURANCE COMPANY | 598 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.