| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $226K | $264K | 7.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 22.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.76% |
| COMBINED GROUP INSURANCE SERVICES3 Filed as: COMBINED GROUP INSURANCE SERVICES, | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INS. | $3K | $2K | $5K | 13.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM & ASSOCIATES | 500 WEST 13TH STREET FORT WORTH, TX 76102 | NORTH AMERICAN CAPACITY INS. | $3K | — | $3K | 7.06% |
| ANCHOR CLAIMS MANAGEMENT3 | 14785 PRESTON ROAD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INS. | $0 | $1K | $1K | 2.72% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ANCHOR RISK MANAGEMENT | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INS. | $0 | $1K | $1K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $805 | $3K | 20.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $890 | $3K | 21.88% |
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 | 281 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 540 | $3.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 540 | $3.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 540 | $3.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $87K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $44K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.