| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $161K | $6K | $167K | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $19K | $43K | 4.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $9K | $30K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $6K | $51K | 18.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $13K | $2K | $15K | 16.28% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 2411 SAN ANTONIO, TX 78298 | UNUM INSURANCE COMPANY | $5K | $205 | $6K | 6.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $19K | $2K | $21K | 23.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY, MARSH & MCLENNAN | 8144 WALNUT HILL LANE, #15 DALLAS, TX 75231 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $8K | $0 | $8K | 17.00% |
| FRENCHA LEGACY3 | 3435 CALERA TRAIL, UNIT 6619 FORT WORTH, TX 76177 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $955 | $0 | $955 | 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 | 1,257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 2,272 | $15.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 2,272 | $15.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 362 | $104K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,245 | $708K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,476 | $911K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,476 | $911K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,245 | $937K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,476 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.