| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $70K | — | $70K | 17.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 770423031 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $58 | $11K | 10.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2500 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.47% |
| MARSH & MCLENNAN AGENCY LLC3 | WALNUT GLEN TOWER 8144 WALNUT LANE 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT GLEN TOWER 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY-VOLUNTARY GROUP TERM LIFE | $832 | — | $832 | 10.00% |
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 | 615 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 417 | $396K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $105K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 304 | $42K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 417 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.