| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $57K | $25K | $82K | 18.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $94 | $3K | 4.56% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $567 | $2K | 3.34% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE | $984 | $464 | $1K | 2.24% |
| MJ INSURANCE3 Filed as: INSYNC BENEFITS AND VARIOUS AGENTS | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE | $988 | $0 | $988 | 1.53% |
| MPART BENEFITS INC3 | 4621 GLENN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE | $294 | $182 | $476 | 0.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 6100 FAIRVIEW ROAD CHARLOTTE, NC 28210 | COLONIAL LIFE & ACCIDENT INSURANCE | $406 | $0 | $406 | 0.63% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE | $161 | $85 | $246 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | HM LIFE INSURANCE - 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 | 513 | 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) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 513 | $453K |
| Vision | HM LIFE INSURANCE - DAVIS VISION | 287 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 513 | $453K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 513 | $453K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 513 | $453K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 513 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.