| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $91K | — | $91K | 22.79% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $2K | $17K | $20K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 19.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 19.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 19.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $225 | $3K | 10.85% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $34K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 461 | $400K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.