| 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 | $8K | $76K | $84K | 10.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 752314337 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 17.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.94% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $885 | — | $885 | 5.94% |
| BRIAN EDWARD JUND3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | — | $164 | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN AGENC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $19 | $19 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 752314337 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $285 | $2K | 17.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE STE 1600 DALLAS, TX 75231 | EYE MED | $800 | — | $800 | 10.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 752314337 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $472 | $73 | $545 | 17.32% |
| SCOTT A METCALF3 | 7032 PINON FORT WORTH, TX 76116 | PROTECTIVE LIFE INSURANCE COMPANY | $74 | — | $74 | 3.49% |
| JIMMY A DESORMEAUX3 | PO BOX 9793 NEW IBERIA, LA 70562 | PROTECTIVE LIFE INSURANCE COMPANY | $69 | — | $69 | 3.25% |
| JERRELL G CLAY3 Filed as: JERRELL CLAY | 1600 HWY 6 STE 400 SUGAR LAND, TX 774783355 | PROTECTIVE LIFE INSURANCE COMPANY | $40 | — | $40 | 1.89% |
| MICHAEL S HEGER3 | 725 S HAULAPAI WAY #2129 LAS VEGAS, NV 89145 | PROTECTIVE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.33% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $774K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $774K |
| Vision | EYE MED | 119 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $80K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46 | $12K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.