| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2500 BEE CAVE RD BLDG 1 SUITE 125 AUSTIN, TX 78746 | BLUECROSS BLUESHIELD OF TEXAS | $48K | — | $48K | 6.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $42 | $11K | 9.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL RD DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $443 | $9K | 15.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL RD DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $76 | $2K | 14.48% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 257 | $753K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $110K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $110K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $62K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $62K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.