| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 301598 DALLAS, TX 75303 | BLUECROSS BLUESHIELD OF TEXAS | $40K | $855 | $41K | 4.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | PO BOX 301598 DALLAS, TX 75303 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.51% |
| TRINITY INSURANCE ADVISORS, LLC3 | 14606 SWALE SAN ANTONIO, TX 78248 | PRINCIPAL LIFE INSURANCE COMPANY | $487 | $0 | $487 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 1388 HOUSTON, TX 77251 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.34% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $110 | $110 | 0.35% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 132 | $931K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $46K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $32K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 132 | $931K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.