| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGE | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $166K | $201K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE # 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 8.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 2.22% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 301 COMMERCE STREET FORT WORTH, TX 76102 | FEDERAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC. | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | FOUR EVER LIFE INS CO | $252 | $252 | $504 | 20.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOTAL ADMINISTRATIVE SERVICES CORPO EIN 39-1561025 NONE | Contract Administrator Service code 13 | — | $11K |
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 | 573 | 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) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,120 | $5.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,120 | $5.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,120 | $5.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 573 | $314K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 573 | $314K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,120 | $5.7M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,120 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,120 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.