| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $36K | $37K | 3.91% |
| MICHAEL D LANDRUM3 | PO BOX 23684 WACO, TX 76702 | UNITED HEALTHCARE INSURANCE COMPANY | $2 | $16 | $18 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LL | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | AMERITAS LIFE INSURANCE CORPORATION | $8K | $992 | $9K | 10.45% |
| MICHAEL D LANDRUM3 | PO BOX 23684 WACO, TX 76702 | AMERITAS LIFE INSURANCE CORPORATION | $585 | — | $585 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 13.19% |
| MICHAEL D LANDRUM3 | PO BOX 23684 WACO, TX 76702 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 1.81% |
| TIMOTHY DAVIS3 | 718 SOUTH 17TH TEMPLE, TX 76504 | STANDARD LIFE & ACCIDENT | $5K | — | $5K | 12.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE & ACCIDENT | $2K | — | $2K | 5.01% |
| MIKEL COOK3 | 4100 W. ELDORADO PKWAY SUITE 100-112 MCKINNEY, TX 75070 | STANDARD LIFE & ACCIDENT | $2K | — | $2K | 4.01% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 283 | $1.0M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 138 | $90K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 283 | $959K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 139 | $55K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 139 | $55K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 283 | $1.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 139 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.