| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(TX), LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $32K | — | $32K | 3.39% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $3K | $6K | $9K | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(TX), LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 9.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $547 | — | $547 | 0.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES T | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $417 | — | $417 | 1.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES T | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $152 | — | $152 | 1.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(TX), LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 18.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $201 | — | $201 | 1.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES T | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $148 | — | $148 | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES T | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $828 | — | $828 | 13.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 2300 RESAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | — | $73 | 1.21% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 206 | $952K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $71K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $71K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $14K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.