| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | BLUE CROSS BLUE SHIELD OF TEXAS | $159K | — | $159K | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $45K | $472 | $45K | 13.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77024 | UNION SECURITY INSURANCE COMPANY | $22K | $6K | $29K | 12.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.92% |
| CRYSTAL J MULVILLE3 | 6 WYNNOAK DRIVE THE WOODLANDS, TX 77382 | AFLAC | $6K | — | $6K | 24.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | AFLAC | $2K | — | $2K | 8.01% |
| TANYA LOREE BRYAN3 Filed as: TANYA L BRYAN | 42 N DELTA MILL CIRCLE THE MIDLANDS, TX 77385 | AFLAC | $2K | — | $2K | 6.40% |
| TODD A STULL3 | 8203 WILLOW PLACE DR S SUITE 510 HOUSTON, TX 77070 | AFLAC | $1K | — | $1K | 3.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNITED DENTAL CARE OF TEXAS, INC. | $2K | $698 | $3K | 12.95% |
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 | 805 | 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) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 989 | $3.6M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 393 | $245K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | 817 | $43K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 805 | $326K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 805 | $326K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 805 | $326K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 989 | $3.6M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 805 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.