| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 17TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $55K | $0 | $55K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $20K | $3K | $23K | 22.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $2K | $11K | 11.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 25.75% |
| CLINTON JOSHUA CLARK3 | 6308 IOLA AVE, UNIT 109 LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $451 | $0 | $451 | 1.47% |
| MICHAEL W JOINER3 Filed as: MICHAEL WAYNE JOINER | 9106 HURON AVE LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $365 | $0 | $365 | 1.19% |
| MATTHEW LEE CLARK3 | 920 COUNTY ROAD 1 WILSON, TX 79381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $282 | $0 | $282 | 0.92% |
| CODY DALE VARNELL3 | 5107 JARVIS LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | $0 | $236 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH STREET, STE 200 LUBBOCK, IL 79424 | TELADOC | $1K | $0 | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 4411 98TH ST LUBBOCK, TX 79424 | METROPOLITAN LIFE INSURANCE COMPANY | $623 | $0 | $623 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $78 | $78 | — |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 234 | $1.0M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $96K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $96K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 172 | $103K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 172 | $103K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 172 | $103K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 172 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.