| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FL DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $78K | $0 | $78K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $164 | $3K | 10.51% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $337 | $62 | $399 | 12.68% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DR PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $101 | $207 | 6.58% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $70 | $153 | 4.86% |
| STEPHANIE ANN VINCENT3 | 15 ATLANTA CT MANSFIELD, TX 76063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 4.67% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $10 | $91 | 2.89% |
| MICHELE RHEIN3 | 446 COUNTRY CLUB DR LANSDALE, PA 19446 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 2.13% |
| MARC MAURICIO MORROW3 | 3431 RAYFORD RD, STE 200 SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $17 | $58 | 1.84% |
| MICHAEL DEAN GIST3 | 5508 PLAZA DR TEXARKANA, TX 75503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.95% |
| SANDRA MICHELLE HALL3 | 5508 PLAZA DR TEXARKANA, TX 75503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.57% |
| KIMBERLY FAITH CEARLEY3 | 736 OLD BOSTON RD, APT 22 TEXARKANA, TX 75501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.57% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DRIVE WEST ORANGE, NJ 07052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.32% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.29% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTY ROAD 2311 MINEAOLA, TX 75773 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.29% |
| PARSONS BENEFITS GROUP LLC3 | 5603 PALLADIO LANE LONGVIEW, TX 75605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.29% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 4.22% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DR PLANO, TX 75024 | THE PAUL REVERE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 2.57% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.46% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 350 | $1.7M |
| Dental(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $90K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $16K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $32K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.