| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $97K | — | $97K | 5.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 17.98% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 15.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $382 | $3K | 12.07% |
| SHAUN PATRICK CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $521 | $2K | $2K | 9.80% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $504 | $366 | $870 | 3.84% |
| STUART DUNKLE3 | 405 COUNTY ROAD 3236 QUITMAN, TX 75783 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 0.80% |
| ANNALEE AHRENS3 | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.60% |
| BRIAN COHEN3 | 6804 N CPTL TX HWY APT 221 AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.08% |
| ROBERT SCOTT PIERCE3 | 609 ROUEN DR MCKINNEY, TX 75072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 254 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 254 | $1.9M |
| Vision | BLUECROSS BLUESHIELD OF TEXAS | 254 | $1.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $159K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $159K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.