| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY- LUBBOCK | 4411 98TH STREET LUBBOCK, TX 79424 | CURATIVE INSURANCE COMPANY | $285K | $0 | $285K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $84K | $24K | $108K | 25.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH ST, STE 200 LUBBOCK, TX 79424 | AMERITAS LIFE INSURANCE CORP | $33K | $0 | $33K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FL 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP | $0 | $6K | $6K | 1.86% |
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 | 451 | 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) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 451 | $4.7M |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,031 | $326K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,031 | $326K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 506 | $421K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 506 | $421K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 506 | $421K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 451 | $4.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 506 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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.