| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $22K | $0 | $22K | 10.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE ST SUITE 2201 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE ST SUITE 2201 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 SUITE 2400 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE ST SUITE 2201 CONSHOHOCKEN, TX 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE ST SUITE 2201 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE ST SUITE 2201 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD SUITE 2400 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| EA LEGACY LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE ST SUITE 2201 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| EA LEGACY LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE ST SUITE 2201 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 CONSHOHOCKEN, TX 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 COMMERCE ST DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $940 | $940 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRUM & FORSTER ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | 305 MADISON AVE. MORRISTOWN, NJ 07960 | $913K |
| MARSH & MCLENNAN AGENCY BROKER | Insurance agents and brokers Service code 22 | 161 WASHINGTON ST CONSHOHOCKEN, PA 19428 | $177K |
| BOON-CHAPMAN, LTD EIN 74-2305238 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $147K |
| BEVCAP MANAGEMENT LLC EIN 26-1870141 ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | — | $124K |
| AETNA PPO ADMINISTRATOR | Contract Administrator; Plan Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06115 | $76K |
| BEVCAP HEALTH CAPTIVE - NC ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | 120 W. VIRGINIA ST STE 200 MCKINNEY, TX 75069 | $22K |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 702 | $207K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $121K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $100K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.