| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $42K | $42K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | ARMADACARE | $962 | — | $962 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 13.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA COMPANY | $3K | $863 | $3K | 20.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA COMPANY | $2K | $925 | $3K | 20.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA COMPANY | $179 | $673 | $852 | 7.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA COMPANY | $1K | $544 | $2K | 20.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA COMPANY | $1K | $451 | $2K | 21.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA COMPANY | $859 | $330 | $1K | 20.98% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 146 | $919K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $65K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA COMPANY | 169 | $33K |
| Short-term disability | UNITED OF OMAHA COMPANY | 55 | $12K |
| Long-term disability | UNITED OF OMAHA COMPANY | 34 | $6K |
| Other(5 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.