| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE #1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | $0 | $74K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD #2400 HOUSTON, TX 770423031 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $58 | $6K | 9.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE #400 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN. 16TH FL DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY | $8K | $1K | $9K | 14.49% |
| ITO LAH INC3 | 2311 TEXAS DRIVE #110 IRVING, TN 75062 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 11.76% |
| MORETON & COMPANY3 Filed as: JOHN L MORTON INC | 12164 N ANNA CADE ROAD ROCKWALL, TN 75087 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 11.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - DALLA | 8144 WALNUT HILL LANE DALLAS, TN 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD #2400 HOUSTON, TX 770423031 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $554 | $0 | $554 | 9.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE #400 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $138 | $138 | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | MAGELLAN HEALTHCARE | $511 | $0 | $511 | 10.00% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 249 | $72K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 183 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY | 150 | $61K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY | 150 | $61K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 174 | $27K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY | 172 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.