| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $25K | $0 | $25K | 6.50% |
| MMA DALLAS-WALNUT HILL3 Filed as: MMA DALLAS- WALNUT HILL | 8144 WALNUT HILL LN, 16TH FL DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 17.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $251 | $251 | 2.37% |
| MMA DALLAS-WALNUT HILL3 Filed as: MMA DALLAS- WALNUT HILL | 8144 WALNUT HILL LN, 16TH FL DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 16.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $189 | $189 | 2.16% |
| MMA DALLAS-WALNUT HILL3 Filed as: MMA DALLAS- WALNUT HILL | 8144 WALNUT HILL LN- 16TH FL DALLAS, TX 75261 | UNUM INSURANCE COMPANY | $556 | $0 | $556 | 9.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $0 | $198 | $198 | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $550 | $0 | $550 | 9.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | DEARBORN LIFE INSURANCE COMPANY | $0 | $275 | $275 | 5.00% |
| MMA DALLAS-WALNUT HILL3 Filed as: MMA DALLAS- WALNUT HILL | 8144 WALNUT HILL LN- 16TH FL DALLAS, TX 75261 | UNUM INSURANCE COMPANY | $538 | $0 | $538 | 16.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $0 | $130 | $130 | 3.96% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 84 | $388K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 84 | $388K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 47 | $6K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $19K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.