| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $479 | $15K | $15K | 3.77% |
| RICK A. HAWKINS3 | 9026 MEADOWKNOLL DRIVE DALLAS, TX 75243 | SYMETRA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.43% |
| US NATIONAL BENEFIT PARTNERS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | SYMETRA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.52% |
| ELM STREET CAPITAL LLC3 | 5906 CARDINAL LAKE DRIVE GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.15% |
| DENISE M. ESCARTE3 | 1300 NORTH CUSTER ROAD, SUITE 4107 ALLEN, TX 75013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 7.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 6.36% |
| WILMA GALE JOHNSON3 Filed as: WILMA G. JOHNSON | 4100 WEST ELDORADO PARKWAY SUITE 100 387 MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.52% |
| MJ INSURANCE3 Filed as: GUSTAVO ARRIAGA AND VARIOUS AGENTS | 5237 NORTH RIVERSIDE DRIVE SUITE 207 FORT WORTH, TX 76137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.49% |
| AMANDA LEAH RISNER3 Filed as: AMANDA L. RISNER | 7316 NABORS LANE MCKINNEY, TX 75071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.83% |
| DENNIS M. ESARTE3 | 1300 NORTH CUSTER ROAD, SUITE 4107 ALLEN, TX 75013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.69% |
| EDUARDO REYNA3 | 1200 JASMINE STREET LANTANA, TX 76226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $16K | $0 | $16K | 10.90% |
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 | 2,974 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 309 | $44K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 2,874 | $147K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,974 | $406K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,974 | $406K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,974 | $406K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,974 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,974 | — |
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.