| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 17TH FL DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $117K | $5K | $122K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.99% |
| MATTHEW LEE LEE CLARK3 | 920 COUNTY ROAD 1 WILSON, TX 79381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.01% |
| CODY DALE VARNELL3 | 5107 JARVIS LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.24% |
| MICHAEL W JOINER3 Filed as: MICHAEL WAYNE JOINER | 9106 HURON AVE LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.63% |
| CLINTON JOSHUA CLARK3 | 6308 IOLA AVE, UNIT 109 LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $665 | $0 | $665 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 17.22% |
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 | 294 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 545 | $3.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 545 | $3.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 363 | $60K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 363 | $60K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 426 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.