| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $73K | $73K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $0 | $3K | $3K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | — | $2K | $2K | 2.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY SOUTHWEST | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $15K | $0 | $15K | 20.00% |
| MASA AGENTS3 | 1250 S. PINE ISLAND ROAD SUITE 500 PLANTATION, FL 33324 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $13K | $0 | $13K | 17.16% |
| EIDSON, DARELL, LAWAYNE3 | 246 INVERNESS CTR DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.35% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75261 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $737 | $0 | $737 | 1.65% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 26.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $541 | $541 | 1.95% |
| EIDSON, DARELL, LAWAYNE3 | 246 INVERNESS CTR DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | $0 | $63 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Insurance services Service code 23 | — | $36K |
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 | 940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 2,578 | $17.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 2,578 | $17.0M |
| Vision | VISION SERVICE PLAN | 797 | $93K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,870 | $0 |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,870 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,870 | $0 |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 1,870 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,578 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.