| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | PRINCIPAL LIFE INSURANCE COMPANY | $43K | $0 | $43K | 12.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $194 | $3K | 4.38% |
| MJ INSURANCE3 Filed as: INSYNC BENEFITS AND VARIOUS AGENTS | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $1 | $1K | 2.03% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE | $892 | $368 | $1K | 1.96% |
| SHANNA JO ALDRIDGE3 | 5096 OAKHURST LANE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE | $965 | $17 | $982 | 1.53% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE | $581 | $142 | $723 | 1.12% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE | $458 | $149 | $607 | 0.94% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE USA | 6100 FAIRVIEW ROAD CHARLOTTE, NC 28210 | COLONIAL LIFE & ACCIDENT INSURANCE | $577 | $0 | $577 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | HM LIFE INSURANCE COMPANY - DAVIS VISION | $2K | $0 | $2K | 10.00% |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $343K |
| Vision | HM LIFE INSURANCE COMPANY - DAVIS VISION | 206 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $343K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $343K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $343K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.