| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $194K | $4K | $198K | 7.51% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 75087 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $74 | $4K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $508 | $508 | 0.21% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON INC | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $66 | — | $66 | 0.03% |
| DENNIS M COPLAND3 | 10300 NORTH CENTRAL EXPRESS WAY DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.14% |
| NANCY E ODOM3 | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.62% |
| WILLIAM G DABNEY3 | 2220 STEVEN DRIVE KNOXVILLE, TN 37938 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310 | — | $310 | 1.07% |
| KERI NORTON3 Filed as: KERI M NORTON | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.24% |
| MATTHEW D BUTLER3 | 2427 COVERED BRIDGE BOULEVARD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.18% |
| CARTER L NELSON3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.16% |
| DAVID M GUSTAFSON3 | 316 WEST LOOKOUT DRIVE RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.06% |
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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 659 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 659 | $2.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 659 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 838 | $239K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 838 | $239K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 838 | $239K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 659 | $2.6M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 838 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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.