| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH ST. LUBBOCK, TX 79424 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $33 | $22K | 5.85% |
| EDDIE L WILSON3 | P.O. BOX 1298 LEVELLAND, TX 79336 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 5.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $1K | $18K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $115 | $115 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FLOOR 16 DALLAS, TX 752314388 | BLUECROSS BLUESHIELD OF TEXAS | -$12 | $28K | $28K | — |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,056 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,810 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,966 | $92K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,161 | $371K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,161 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,161 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.