| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MMARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | HEALTH CARE SERVICE CORPORATION | $88K | $2K | $90K | 5.11% |
| COATES AND ROURKE AGENCY, INC.3 | PO BOX 460 MUSTANG, OK 730640460 | HEALTH CARE SERVICE CORPORATION | $11K | — | $11K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HEALTH CARE SERVICE CORPORATION | $5K | — | $5K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM A DIVISION OF MARSH U | PO BOX 301598 DALLAS, TX 753031598 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 15 DALLAS, TX 752314388 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 194280350 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $522 | $522 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 1388 HOUSTON, TX 77251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 11.96% |
| COATES AND ROURKE AGENCY, INC.3 Filed as: COATES & ROURKE AGENCY INC | P O BOX 460 MUSTANG, OK 73064 | DELTA DENTAL OF OKLAHOMA | $1K | — | $1K | 12.00% |
| COATES AND ROURKE AGENCY, INC.3 | P.O. BOX 460 MUSTANG, OK 730640460 | AMERITAS LIFE INSURANCE CORPORATION | $267 | — | $267 | 9.59% |
| SUE WILSON BROKERAGE INC3 Filed as: SUE WILSON BROKERAGE, INC. | 2525 NORTHWEST EXPRESSWAY SUITE 345 OKLAHOMA CITY, OK 731127227 | AMERITAS LIFE INSURANCE CORPORATION | $57 | — | $57 | 2.05% |
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 | 220 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH CARE SERVICE CORPORATION | 271 | $2.0M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $98K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $108K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $105K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.