| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 15 DALLAS, TX 752314388 | UNITED HEALTHCARE INSURANCE COMPANY | $164 | $60K | $61K | 2.42% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $58K | $58K | 2.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 752511527 | UNITED HEALTHCARE INSURANCE COMPANY | $167 | -$14 | $153 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $5K | $31K | 20.87% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $4K | $16K | 10.52% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $5K | $13K | 8.87% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 6.43% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LANE MANSFIELD, TX 76063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 4.05% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $773 | $3K | 1.95% |
| BRIAN COHEN3 | 6804 N CAPITAL OF TEXAS HWY AUSTIN, TX 78731 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.16% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $855 | $174 | $1K | 0.70% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $133 | $306 | 0.21% |
| SALLY ELIZABETH PARKER3 | 309 WINDMILL DRIVE LAVON, TX 75166 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.13% |
| DAVID ANDREW BRANNAM3 | 5407 COUNTY ROAD 1042 CELESTE, TX 75423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | $0 | $165 | 0.11% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $19 | $91 | 0.06% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $38 | $64 | 0.04% |
| CAROL A BAKER3 | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| SA GENERAL AGENCY INC3 | 9835 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $1K | $8K | 6.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $771 | $771 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $92 | $92 | — |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 462 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $131K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $131K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 140 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.