| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 6.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DR STE 1230 DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 75251 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | $884 | $13K | 11.43% |
| MARSH & MCLENNAN AGENCY LLC3 | DALLAS 8144 WALNUT HILLLANE 16TH FLOOR DALLAS, TX 75231 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $439 | $439 | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $361 | — | $361 | 24.98% |
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 | 1,575 | 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) | 1,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 2,011 | $46K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 932 | $833K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 932 | $833K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,490 | $269K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,151 | $117K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,581 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,011 | — |
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.