| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-WALNUT | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 752314337 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $51K | $60K | 6.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 752314337 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $925 | $925 | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $167 | $167 | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.17% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $569 | — | $569 | 4.31% |
| BRIAN EDWARD JUND3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN AGENC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $92 | $92 | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE STE 1600 DALLAS, TX 75231 | EYE MED | $861 | — | $861 | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 752314337 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $464 | — | $464 | 15.01% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $22 | $22 | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | LEGALPLANS, USA | $230 | — | $230 | 9.99% |
| 3 MARK FINANCIAL3 | 1600 HWY 6 STE 400 SUGARLAND, TX 77478 | PROTECTIVE LIFE INSURANCE COMPANY | $103 | — | $103 | 5.25% |
| SCOTT A METCALF3 | 7032 PINON FORT WORTH, TX 76116 | PROTECTIVE LIFE INSURANCE COMPANY | $74 | — | $74 | 3.77% |
| JIMMY A DESORMEAUX3 Filed as: JIMMY DESORMEAUX | PO BOX 9793 NEW IBERIA, LA 70562 | PROTECTIVE LIFE INSURANCE COMPANY | $69 | — | $69 | 3.52% |
| MARION DESORMEAUX AND ASSOC INC3 | PO BOX 9793 NEW IBERIA, LA 70562 | PROTECTIVE LIFE INSURANCE COMPANY | $23 | — | $23 | 1.17% |
| EARL CUMMINGS3 | 1301 COATES BLUFF DR APT. 326 SHREVEPORT, LA 71104 | PROTECTIVE LIFE INSURANCE COMPANY | $22 | — | $22 | 1.12% |
| TODD FRY3 | 8301 NE 104TH TER KANSAS CITY, MO 64157 | PROTECTIVE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.76% |
| MICHAEL S HEGER3 | 725 S HAULAPAI WAY #2129 LAS VEGAS, NV 89145 | PROTECTIVE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.36% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $974K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $974K |
| Vision | EYE MED | 140 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $90K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 54 | $15K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.