| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $15K | $15K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $64K | $4K | $68K | 38.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $32K | $3K | $35K | 27.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $22K | — | $22K | 20.00% |
| EIDSON, DARELL, LAWAYNE3 Filed as: EIDSON, DARELL LAWAYNE | STE 219 16700 HWY 280 CHELSEA, AL 35043 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $708 | — | $708 | 1.43% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75261 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $510 | — | $510 | 1.03% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $209 | — | $209 | 3.57% |
| EIDSON, DARELL, LAWAYNE3 Filed as: EIDSON, DARELL LAWAYNE | STE 219 16700 HWY 280 CHELSEA, AL 35043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Insurance services Service code 23 | — | $41K |
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 | 919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 2,633 | $18.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 2,633 | $18.1M |
| Vision | VISION SERVICE PLAN | 824 | $93K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,950 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,950 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,950 | $1.3M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,950 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,633 | — |
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."
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.