| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $11K | $26K | 7.39% |
| TIMOTHY L. KENNEDY3 Filed as: TIMOTHY L KENNEDY | PO BOX 608 GEORGETOWN, TX 78627 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | -$1 | $3K | 3.95% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| MMA DALLAS-WALNUT HILL3 Filed as: MMA DALLAS - WALNUT HILL | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $3 | $2K | 21.71% |
| TIMOTHY L. KENNEDY3 Filed as: TIMOTHY L KENNEDY | PO BOX 608 GEORGETOWN, TX 78627 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 8.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 1.44% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 417 | $347K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 417 | $347K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $258K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $258K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $258K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.