| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $75K | $1K | $76K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $13K | — | $13K | 17.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | AMERITAS LIFE INSURANCE CORP. | $7K | $2K | $9K | 13.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST LUBBOCK, TX 79423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $273 | — | $273 | 6.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH STREET SUITE 200 LUBBOCK, TX 79424 | TELADOC | — | $61 | $61 | 1.42% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 178 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 272 | $69K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $23K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 165 | $73K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 165 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.