| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $75K | — | $75K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY STE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 8.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 7.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 NW CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $6K | — | $6K | 4.36% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM-FORT WORTH, INC. | 1600 WEST 7TH STREET SUITE 100 FORT WORTH, TX 76102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $841 | — | $841 | 0.59% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $21 | $2K | 8.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL. DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.73% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 288 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 163 | $144K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $164K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $164K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $164K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.