| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | BCBSTX | $31K | — | $31K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 17TH FL DALLAS, TX 75231 | BCBSTX | — | $8 | $8 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $116 | $31K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PHELE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | — |
| SHIRLEY CHAPMAN3 | 305 COUNTRY ROAD 151 ABILENE, TX 796017825 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $42 | $3K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLEBROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $189 | $189 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $42 | $7K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLEBROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $380 | $380 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $42 | $1K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | — |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BCBSTX | 279 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $0 |
| Vision(2 contracts, 2 carriers) | BCBSTX | 282 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $0 |
| Prescription drug | BCBSTX | 279 | $1.5M |
| Stop-loss / reinsurancereinsurance | BCBSTX | 279 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.