| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 17TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $279K | $44K | $324K | 4.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS, STE 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $37K | $17K | $54K | 13.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 14.40% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $0 | $6K | $6K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 301 COMMERCE STREET, SUITE 2201 FORT WORTH, TX 76102 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC. | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | FOUR EVER LIFE INSURANCE COMPANY | $503 | $0 | $503 | 20.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,361 | $7.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,361 | $7.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 586 | $67K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 792 | $395K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 792 | $395K |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,361 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,361 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.