| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FLOOR 16 DALLAS, TX 752314388 | BLUECROSS BLUESHIELD OF TEXAS | $97K | $15K | $111K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD, KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE (BCBS TEXAS) | $32K | $10K | $43K | 13.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP. | $0 | $2K | $2K | 2.06% |
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 | 891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 450 | $4.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 450 | $4.6M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 632 | $93K |
| Life insurance | DEARBORN LIFE INSURANCE (BCBS TEXAS) | 891 | $324K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 450 | $4.6M |
| Other | DEARBORN LIFE INSURANCE (BCBS TEXAS) | 891 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.