| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 131 INTERPARK BLVD SAN ANTONIO, TX 782161841 | RELIANCE STANDARD LIFE INSURANCE CO | $7K | $3K | $10K | 20.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 131 INTERPARK BLVD SAN ANTONIO, TX 782161841 | RELIANCE STANDARD LIFE INSURANCE CO | $6K | $2K | $7K | 20.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 131 INTERPARK BLVD SAN ANTONIO, TX 782161841 | RELIANCE STANDARD LIFE INSURANCE CO | $735 | $281 | $1K | 20.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 131 INTERPARK BLVD SAN ANTONIO, TX 782161841 | RELIANCE STANDARD LIFE INSURANCE CO | $414 | $159 | $573 | 20.75% |
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 | 389 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 389 | $86K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 380 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.