| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $54K | $54K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $58 | $7K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD SUITE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $9K | 20.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 20.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD SUITE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $2K | — | $2K | 15.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $208 | $208 | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $736 | $3K | 20.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | EYEMED VISION CARE | $2K | — | $2K | 11.80% |
| STACIE R PEARSON3 | 934 CHARLES RIVER COURT ALLEN, TX 75013 | AFLAC | $594 | — | $594 | 4.72% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $298 | — | $298 | 2.37% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LANE ANNA, TX 75409 | AFLAC | $199 | — | $199 | 1.58% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LANE ANNA, TX 75409 | AFLAC | $189 | — | $189 | 1.50% |
| ADAM SHANE HUNDLEY3 | 813 CORNELL LANE ALLEN, TX 75002 | AFLAC | $117 | — | $117 | 0.93% |
| GAY M HUNDLEY3 | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $86 | — | $86 | 0.68% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 550 SOUTH WATTERS ROAD SUITE 103 ALLEN, TX 75013 | AFLAC | $60 | — | $60 | 0.48% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DRIVE LUCAS, TX 75002 | AFLAC | $42 | — | $42 | 0.33% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $26 | — | $26 | 0.21% |
| LINDA JANE NEVAREZ3 | 713 BETHANY LAKE BOULEVARD ALLEN, TX 75002 | AFLAC | $24 | — | $24 | 0.19% |
| ANN K GRAVSETH3 | 4528 CEDARBRUSH DRIVE DALLAS, TX 75229 | AFLAC | $22 | — | $22 | 0.17% |
| KEVIN B BAILEY3 | 7105 WIND ROW DRIVE MCKINNEY, TX 75070 | AFLAC | $17 | — | $17 | 0.13% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $14 | — | $14 | 0.11% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DRIVE PLANO, TX 75093 | AFLAC | $12 | — | $12 | 0.10% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DRIVE CARROLLTON, TX 75006 | AFLAC | $10 | — | $10 | 0.08% |
| LEONARDO JACKSON3 | 457 LAKE PARK DRIVE GRAND PRAIRIE, TX 75052 | AFLAC | $9 | — | $9 | 0.07% |
| CANDICE RENEE TREVINO3 | 12594 SOUTH STATE HIGHWAY 121 TRENTON, TX 75490 | AFLAC | $8 | — | $8 | 0.06% |
| JOHN DEE MAULDIN3 | 1400 BURLINGTON DRIVE PLANO, TX 75025 | AFLAC | $8 | — | $8 | 0.06% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DRIVE GARLAND, TX 75040 | AFLAC | $5 | — | $5 | 0.04% |
| SCOTT WEBB3 | 12366 WEST MILTON DRIVE PEORIA, AZ 85383 | AFLAC | $2 | — | $2 | 0.02% |
| SCOTT WEBB3 | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $1 | — | $1 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 1308 NATURE WALK BOULEVARD SW HUNTSVILLE, AL 35824 | AFLAC | $1 | — | $1 | 0.01% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $1.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 221 | $89K |
| Vision | EYEMED VISION CARE | 221 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $42K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.