| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | — | $27K | 2.20% |
| LONE STAR BENEFITS INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | — | $15K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 20.29% |
| LONE STAR BENEFITS INC3 | 5750 GENESIS COURT SUITE 210 FRISCO, TX 75034 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 3.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.36% |
| LONE STAR BENEFITS INC3 Filed as: LONE STAR BENEFITS INC. | 8721 5TH STREET FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $682 | — | $682 | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.41% |
| LONE STAR BENEFITS INC3 Filed as: LONE STAR BENEFITS INC. | 8721 5TH STREET FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $617 | — | $617 | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.78% |
| LONE STAR BENEFITS INC3 | 8721 5TH STREET FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $949 | — | $949 | 4.23% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA DENTAL HEALTH OF TEXAS, INC. | $105 | — | $105 | 1.72% |
| LONE STAR BENEFITS INC3 | — | CIGNA DENTAL HEALTH OF TEXAS, INC. | $64 | — | $64 | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $605 | — | $605 | 10.81% |
| LONE STAR BENEFITS INC3 Filed as: LONE STAR BENEFITS INC. | 8721 5TH STREET FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $235 | — | $235 | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $49 | — | $49 | 1.90% |
| LONE STAR BENEFITS INC3 | — | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $27 | — | $27 | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $3 | — | $3 | 1.81% |
| LONE STAR BENEFITS INC3 | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $1 | — | $1 | 0.60% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 383 | $1.2M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 383 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 383 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 66 | $24K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 383 | $1.2M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 383 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.