| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 752314337 | UNITED HEALTHCARE INSURANCE COMPANY | — | $177K | $177K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH ST STE 200 LUBBOCK, TX 794241455 | AMERITAS | $29K | — | $29K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | AMERITAS | — | $8K | $8K | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA | $15K | $7K | $22K | 18.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2500 CITY WEST BLVD AUITE2400 HOUSTON, TX 77042 | UNITED OF OMAHA | $12K | $6K | $18K | 18.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA | $12K | $5K | $17K | 18.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MECLENNAN AGENCY LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA | $3K | $1K | $4K | 18.35% |
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 | 465 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 455 | $3.4M |
| Dental | AMERITAS | 937 | $291K |
| Vision | AMERITAS | 937 | $291K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 465 | $117K |
| Long-term disability | UNITED OF OMAHA | 465 | $121K |
| Other(3 contracts) | UNITED OF OMAHA | 465 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.