| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 17TH FLOOR DALLAS, TN 75231 | BLUECROSS BLUESHIELD OF TEXAS | $51K | $2K | $53K | 4.70% |
| ESCOBEDO CONSTRUCTION, LP3 | 199 DISTRIBUTION COVE BUBA, TX 78610 | BLUECROSS BLUESHIELD OF TEXAS | — | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $761 | $3K | 20.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $899 | $3K | 21.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | EYEMED VISION CARE | $1K | — | $1K | 10.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $552 | $2K | 20.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $793 | $266 | $1K | 20.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $789 | $283 | $1K | 20.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $400 | $238 | $638 | 23.91% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 152 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 152 | $1.1M |
| Vision | EYEMED VISION CARE | 124 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $13K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.