| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $233K | $0 | $233K | 10.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FORT DEARBORN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $61K | $61K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | EYEMED | $38K | $0 | $38K | 4.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $194K | $0 | $194K | 28.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | $7K | $61K | 9.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | FIDELITY SECURITY LIFE INSURANCE | $37K | $0 | $37K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | TRUSTMARK INSURANCE COMPANY | $48K | $0 | $48K | 30.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY | 8144 WALNUT HILL LANE, #15 DALLAS, TX 75231 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $8K | $0 | $8K | 18.38% |
| IRA TERRELL3 | PO BOX 703201 DALLAS, TX 75370 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $521 | $0 | $521 | 1.15% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $927 | $927 | 15.00% |
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 | 3,878 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 6,916 | $2.0M |
| Vision | EYEMED | 5,916 | $777K |
| Life insurance(2 contracts, 2 carriers) | FORT DEARBORN LIFE INSURANCE COMPANY | 5,015 | $2.4M |
| Short-term disability | FORT DEARBORN LIFE INSURANCE COMPANY | 5,015 | $2.2M |
| Long-term disability | FORT DEARBORN LIFE INSURANCE COMPANY | 5,015 | $2.2M |
| Other(6 contracts, 6 carriers) | FORT DEARBORN LIFE INSURANCE COMPANY | 7,292 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,292 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.