| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 19.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $380 | $2K | 19.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | EYEMED | $656 | $0 | $656 | 10.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NCY LLC (TX) MARSH & MCLENNAN AGE | 8144 WALNUT HILL 15TH FLR DALLAS, TX 75231 | AFLAC | $149 | $0 | $149 | 4.99% |
| ANN K GRAVSETH3 | 4528 CEDARBRUSH DR DALLAS, TX 75229 | AFLAC | $90 | $0 | $90 | 3.02% |
| JOHN DEE MAULDIN3 | 5798 TOAD HOLW THE COLONY, TX 75056 | AFLAC | $83 | $0 | $83 | 2.78% |
| GAY M HUNDLEY3 Filed as: GAY HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $45 | $0 | $45 | 1.51% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY, JR | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $24 | $0 | $24 | 0.80% |
| CANDICE RENEE TREVINO3 Filed as: CANDICE R TERVINO | 12594 S STATE HIGHWAY 121 TRENTON, TX 75490 | AFLAC | $12 | $0 | $12 | 0.40% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $3 | $0 | $3 | 0.10% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT P EVANS, JR | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $3 | $0 | $3 | 0.10% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 126 | $7K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $40K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.