| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IPS ADVISORS3 | 10000 N. CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 2.92% |
| IPS ADVISORS3 | 10000 N CENTRAL EXPRESSWAY STE 1100 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $40 | $7K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.42% |
| IPS ADVISORS3 | 10000 N. CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $362 | $8K | 7.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $565 | $4K | 4.24% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, LLP | 10000 N CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $162 | $5K | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $280 | $3K | 4.93% |
| IPS ADVISORS3 | 10000 N CENTRAL EXPRESSWAY STE 1100 DALLAS, TX 75231 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $2K | — | $2K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $1K | — | $1K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | — | $220 | $220 | 0.41% |
| IPS ADVISORS3 | 10000 N CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Contract Administrator; Non-monetary compensation; Direct payment from the plan; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $601K |
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 | 605 | 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) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $408K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 377 | $44K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 605 | $159K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 605 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 605 | $105K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 595 | $596K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 605 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.