| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $41K | $50K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $661 | $12K | 15.88% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.32% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $141 | $2K | 16.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE STE 1600 DALLAS, TX 75231 | EYE MED | $1K | — | $1K | 9.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $421 | $32 | $453 | 13.28% |
| JERRELL G CLAY3 | 1600 HWY 6 STE 400 SUGAR LAND, TX 77478 | PROTECTIVE LIFE INSURANCE COMPANY | $67 | — | $67 | 2.29% |
| SCOTT A METCALF3 | 7032 PINON FORT WORTH, TX 76116 | PROTECTIVE LIFE INSURANCE COMPANY | $66 | — | $66 | 2.25% |
| JIMMY A DESORMEAUX3 | PO BOX 9793 NEW IBERIA, LA 70562 | PROTECTIVE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.99% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $903K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $903K |
| Vision | EYE MED | 147 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $72K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 55 | $14K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $903K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 196 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.