| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA HEALTH AND LIFE INSURANCE | $6K | $0 | $6K | 0.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AETNA HEALTH AND LIFE INSURANCE | $6K | $0 | $6K | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 18.68% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH AND LIFE INSURANCE | 437 | $1.9M |
| Dental | AETNA HEALTH AND LIFE INSURANCE | 437 | $1.9M |
| Vision | AETNA HEALTH AND LIFE INSURANCE | 437 | $1.9M |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 138 | $14K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 138 | $14K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 138 | $14K |
| Prescription drug | AETNA HEALTH AND LIFE INSURANCE | 437 | $1.9M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 138 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.