| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP. | $15K | — | $15K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 15.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $200 | $3K | 7.25% |
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS | 2527 86TH STREET LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.76% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 5949 SHERRY LANE SUITE 1170 DALLAS, TX 75225 | HCC LIFE INSURANCE COMPANY | — | $3K | $3K | 7.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $205 | $3K | 7.61% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH STREET LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $806 | — | $806 | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $226 | $3K | 20.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 19.46% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 249 | $152K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 249 | $152K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $143K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 80 | $43K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.