| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | UNKNOWN FORT WORTH, TX 76109 | BLUECROSS BLUESHIELD OF TEXAS | $40K | $1K | $41K | 4.79% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 12801 NORTH CENTRAL EXPRESSWAY SUITE 1710 DALLAS, TX 75243 | BLUECROSS BLUESHIELD OF TEXAS | $8K | $0 | $8K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2929 ALLEN PARKWAY, SUITE 2500 HOUSTON, TX 77019 | DEARBORN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.39% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2929 ALLEN PARKWAY, SUITE 2500 HOUSTON, TX 77019 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 13.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $685 | $0 | $685 | 1.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $348 | $348 | 0.92% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19 | $0 | $19 | 0.05% |
| UNKNOWN3 | UNKNOWN FORT WORTH, TX 76109 | FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 226 | $854K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 226 | $854K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 239 | $74K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 239 | $74K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $38K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $38K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 226 | $854K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 239 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.