| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH ST STE 200 LUBBOCK, TX 79424 | AMERITAS LIFE INSURANCE CORP | $10K | $0 | $10K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP | $0 | $3K | $3K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FL 16 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $802 | $8K | 16.71% |
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $3K | $214 | $3K | 10.71% |
| STEALTH PARTNER GROUP LLC3 | 5949 SHERRY LANE SUITE 1170 DALLAS, TX 75225 | HCC LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FL 16 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $127 | $2K | 21.75% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 376 | $103K |
| Vision | AMERITAS LIFE INSURANCE CORP | 376 | $103K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $66K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.