| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | BLUECROSS BLUESHIELD OF TEXAS | $29K | — | $29K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $759 | $12K | 16.24% |
| THAXTON GROUP, INC.3 Filed as: THAXTON GROUP, INC. DBA SHEA B | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | PO BOX 350 CONSHOHOCKEN, PA 19428 | $260 |
| THAXTON GROUP INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 501 E KENNEDY BLVD STE 1000 TAMPA, FL 33602 | $18 |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 0 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 0 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TEXAS | 0 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $76K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $76K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $76K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.