| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $129K | $13K | $141K | 16.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE FL 16 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN, INC | $28K | $0 | $28K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 5TH FLOOR DALLAS, TX 75231 | GUARDIAN | $36K | $9K | $45K | 12.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN SUITE 1600 DALLAS, TX 75231 | SYMETRA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 14.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 360 E VINE ST STE 200 STE 1000 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 18.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $42K |
| ABY BENEFITS, LLC EIN 47-2794504 ADMINISTRATOR | Claims processing; Recordkeeping fees Service code 12 | 1801 ALMA DRIVE SUITE 170 PLANO, TX 75075 | $7K |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $1.4M |
| Dental | GUARDIAN | 361 | $359K |
| Vision | GUARDIAN | 361 | $359K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 364 | $100K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 364 | $100K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 364 | $100K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 364 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.