| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2500 CITYWEST BOULEVARD, SUITE 2400 HOUSTON, TX 77042 | AETNA LIFE INSURANCE COMPANY | $3 | $42K | $42K | 4.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2500 CITYWEST BOULEVARD, SUITE 2400 HOUSTON, TX 77042 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 7.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $3K | $3K | 3.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 WEST SIXTH STREET, SUITE 1980 AUSTIN, TX 78701 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 2.73% |
| TIMOTHY DAVIS3 | 718 SOUTH 17TH TEMPLE, TX 76504 | AMFIRST | $8K | $0 | $8K | 12.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $3K | $0 | $3K | 5.00% |
| MIKEL COOK3 | 4100 WEST ELDORADO PARKWAY SUITE 100-112 MCKINNEY, TX 75070 | AMFIRST | $3K | $0 | $3K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2500 CITYWEST BOULEVARD, SUITE 2400 HOUSTON, TX 77042 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 11.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 3.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 77042 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 2.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $648 | $648 | 1.23% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 268 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 286 | $89K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 286 | $89K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 141 | $53K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 141 | $53K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 268 | $1.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 141 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.