| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $55K | — | $55K | 4.98% |
| BBR & ASSOCIATES GROUP LLC3 Filed as: BBR & ASSOCIATES | 8820 WILL CLAYTON PARKWAY STE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| FUNK STEVEN E3 | 7610 W HWY 71 SUITE C AUSTIN, TX 78735 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $679 | — | $679 | 1.05% |
| HILL SOMMER3 | 5010 RIVERBRIDGE COURT SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $417 | — | $417 | 0.64% |
| CABRERA YANELLI3 | 8820 WILL CLAYTON PKWY STE. F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | — | $318 | 0.49% |
| MORALES BREANNA3 | 8820 WILL CLAYTON PKWY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $272 | — | $272 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 101 N STARCREST CLEARWATER, FL 33765 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 14.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD SUITE 9000 KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.88% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 132 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 132 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 163 | $59K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 163 | $124K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 163 | $124K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 163 | $124K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 163 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.