| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $205K | $47K | $252K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 5.20% |
| MARSH & MCLENNAN AGENCY LLC5 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 3.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 6.18% |
| MARSH & MCLENNAN AGENCY LLC5 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 3.66% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES INC | 3536 COMSTOCK AVE BELLEVUE, NE 68123 | AETNA LIFE INSURANCE CO | $27K | — | $27K | 15.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE CO | $15K | — | $15K | 8.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 211 S 23RD ST PLATTSMOUTH, NE 68048 | AETNA LIFE INSURANCE CO | $209 | — | $209 | 0.12% |
| SHAWN KEELER3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | AETNA LIFE INSURANCE CO | $209 | — | $209 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC5 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $7K | $964 | $8K | 11.54% |
| MARSH & MCLENNAN AGENCY LLC5 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 16.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.22% |
| MC & H LIFE AGENCY INC5 | 8144 WALNUT HILL LN DALLAS, TX 752314337 | FIDELITY SECURITY LIFE INSURANCE | $4K | $4K | $9K | 29.50% |
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 | 1,322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,322 | $6.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,322 | $6.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 555 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,126 | $253K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $128K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,126 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,322 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.