| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE, 16TH FL DALLAS, TX 75231 | BLUE CROSS BLUE SHIELD OF TEXAS | $12K | $24K | $36K | 0.78% |
| THE NITSCHE GROUP INC3 | 143 EAST AUSTIN GIDDINGS, TX 78942 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 4.83% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 5 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 770 | $4.7M |
| Dental | HUMANA INSURANCE COMPANY | 329 | $229K |
| Vision | EYEMED VISION CARE | 615 | $50K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $468K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $468K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 770 | $4.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TEXAS | 770 | $4.7M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.