| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $23K | $23K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | FORT DEARBORN LIFE INSURANCE COMPANY | $192K | $0 | $192K | 9.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FORT DEARBORN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $223K | $18K | $240K | 27.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | EYEMED | $38K | $0 | $38K | 5.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY, MARSH & MCLENNAN | 8144 WALNUT HILL LANE, #15 DALLAS, TX 75231 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $11K | $0 | $11K | 17.00% |
| IRA TERRELL3 | PO BOX 703201 DALLAS, TX 75370 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $660 | $0 | $660 | 1.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $3K | $3K | 20.00% |
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 | 5,828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 6,356 | $2.0M |
| Vision | EYEMED | 5,525 | $734K |
| Life insurance | FORT DEARBORN LIFE INSURANCE COMPANY | 5,576 | $2.0M |
| Long-term disability | FORT DEARBORN LIFE INSURANCE COMPANY | 5,576 | $2.0M |
| Other(5 contracts, 5 carriers) | FORT DEARBORN LIFE INSURANCE COMPANY | 17,375 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,375 | — |
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.