| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS, STE 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $71K | $40K | $111K | 13.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | SYMETRA LIFE INSURANCE COMPANY | $97K | $0 | $97K | 60.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST, STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 13.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 2400 HOUSTON, TX 77042 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $394 | $5K | 11.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | ESI GROUP | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | 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 | 1,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 0 | $3K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 897 | $111K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,323 | $803K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,323 | $803K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,323 | $803K |
| Other(5 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,365 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,365 | — |
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.