| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE STE 1600 DALLAS, TX 75231 | HEALTH CARE SERVICE CORPORATION | $147K | $14K | $160K | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $10K | $23K | 25.91% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM & ASSOCIATES | 500 WEST 13TH STREET FORT WORTH, TX 76102 | NORTH AMERICAN CAPACITY INS. | $6K | $0 | $6K | 12.50% |
| COMBINED GROUP INSURANCE SERVICES3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INS. | $4K | $2K | $6K | 11.33% |
| ANCHOR CLAIMS MANAGEMENT3 | 14785 PRESTON ROAD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INS. | — | $1K | $1K | 1.97% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ANCHOR RISK MANAGEMENT | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INS. | — | $1K | $1K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 21.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 20.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | — | $2K | $2K | 6.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 770423031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 26.07% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 511 | $3.7M |
| Dental | HEALTH CARE SERVICE CORPORATION | 511 | $3.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 108 | $31K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $102K |
| Short-term disability(2 contracts, 2 carriers) | NORTH AMERICAN CAPACITY INS. | 128 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $45K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.