| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $41K | $630 | $41K | 3.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $8K | $0 | $8K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 3.27% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORPORATION | $8K | $2K | $9K | 8.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 2.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 13.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.22% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $554 | $2K | 13.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $802 | $0 | $802 | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $924 | $393 | $1K | 14.16% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $471 | $0 | $471 | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $829 | $374 | $1K | 14.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $456 | $0 | $456 | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | LOCKBOX 419814 PO BOX 419814 BOSTON, MA 02241 | AMERITAS LIFE INSURANCE CORP | $289 | $0 | $289 | 8.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | AMERITAS LIFE INSURANCE CORP | $117 | $0 | $117 | 3.27% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 122 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 327 | $106K |
| Vision | AMERITAS LIFE INSURANCE CORP | 319 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $54K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $41K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.