| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS AVENUE SUITE 1000 AUSTIN, TX 78701 | HUMANA HEALTH PLAN OF TEXAS, INC. | $29K | — | $29K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - DALLA | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HUMANA HEALTH PLAN OF TEXAS, INC. | $11K | — | $11K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 11330 LAKEFIELD DRIVE JOHNS CREEK BUILDING 100, SUITE 100 JOHNS CREEK, GA 30097 | HUMANA HEALTH PLAN OF TEXAS, INC. | — | $2K | $2K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS AVENUE SUITE 1000 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN - J SMITH - WOODST | PO BOX 70 WEST POINT, GA 31833 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 11330 LAKEFIELD DRIVE JOHNS CREEK BUILDING 100, SUITE 100 JOHNS CREEK, GA 30097 | HUMANA INSURANCE COMPANY | — | $747 | $747 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $500 | $2K | 19.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $576 | $2K | 20.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $516 | $2K | 21.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $907 | $454 | $1K | 22.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $677 | $239 | $916 | 20.31% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 132 | $812K |
| Dental | HUMANA INSURANCE COMPANY | 139 | $77K |
| Vision | HUMANA INSURANCE COMPANY | 139 | $77K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $9K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.