| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | AETNA LIFE INSURANCE CO | $84K | $103 | $84K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY | $35K | $3K | $38K | 10.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $9K | $25K | 15.78% |
| MARSH & MCLENNAN AGENCY LLC5 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 16.04% |
| MARSH & MCLENNAN AGENCY LLC5 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $6K | $15K | 16.13% |
| MARSH & MCLENNAN AGENCY LLC5 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.27% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LN DALLAS, TX 752314337 | FIDELITY SECURITY LIFE INSURANCE | $8K | $8K | $17K | 29.50% |
| MARSH & MCLENNAN AGENCY LLC5 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 20.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.94% |
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 | 872 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 872 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 472 | $352K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 472 | $352K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 765 | $181K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $92K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 765 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.