| 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 | $240K | — | $240K | 17.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $3K | $17K | 17.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $12K | 17.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 19.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 78231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.74% |
| KERI NORTON3 Filed as: KERI M NORTON | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| DENNIS M COPLAND3 | 10300 NORTH CENTRAL EXPRESS WAY DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.11% |
| NANCY E ODOM3 | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $978 | — | $978 | 2.50% |
| DAVID M GUSTAFSON3 | 316 WEST LOOKOUT DRIVE RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $470 | — | $470 | 1.20% |
| WILLIAM G DABNEY3 | 2220 STEVEN DRIVE KNOXVILLE, TN 37938 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.31% |
| MATTHEW D BUTLER3 | 2427 COVERED BRIDGE BOULEVARD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| CARTER L NELSON3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $211 | $1K | 17.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3 | — | $3 | 8.57% |
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 | 640 | 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) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 710 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 710 | $1.4M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 710 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 607 | $70K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $40K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 710 | $1.4M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 710 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.