| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE DALLAS, TX 70894 | SYMETRA LIFE INSURANCE COMPANY | $95K | $0 | $95K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 301 CONGRESS, SUITE 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.34% |
| 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 | $9K | $9K | 1.91% |
| ELM STREET CAPITAL LLC3 Filed as: ELM STREET CAPITAL, LLC | 5906 CARDINAL LAKE DRIVE GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.53% |
| RICK A. HAWKINS3 | 9026 MEADOWKNOLL DRIVE DALLAS, TX 75243 | SYMETRA LIFE INSURANCE COMPANY | $802 | $0 | $802 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL DALLAS, TX 75231 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $17K | $0 | $17K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE DALLAS, TX 75231 | AETNA LIFE INSURANCE CO. | $0 | $83 | $83 | 0.15% |
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 | 1,390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 231 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 353 | $57K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 2,141 | $182K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,390 | $948K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,390 | $948K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,390 | $948K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,956 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,956 | — |
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.