| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $13K | $13K | 1.55% |
| US NATIONAL BENEFIT PARTNERS WEST3 Filed as: U.S. NATIONAL BENEFIT PARTNERS | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | SYMETRA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.00% |
| ELM STREET CAPITAL LLC3 | 5906 CARDINAL LAKE DRIVE GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.97% |
| DENNIS M. ESARTE3 | 1300 NORTH CLUSTER ROAD, SUITE 4107 ALLEN, TX 75013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 10.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 9.51% |
| WILMA GALE JOHNSON3 Filed as: WILMA G. JOHNSON | 4100 WEST ELDORADO PARKWAY SUITE 100 387 MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 3.23% |
| GUSTAVO ARRIAGA II3 | 5237 NORTH RIVERSIDE DRIVE SUITE 207 FORT WORTH, TX 76137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.59% |
| EDUARDO REYNA3 | 1200 JASMINE STREET LANTANA, TX 76226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.98% |
| MJ INSURANCE3 Filed as: NANCY ODOM AND VARIOUS AGENTS | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.85% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $15K | $0 | $15K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $4K | $103 | $4K | 6.85% |
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 | 2,695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 367 | $58K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 2,367 | $151K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,695 | $859K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,695 | $859K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,695 | $859K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,695 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,695 | — |
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.