| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERRY DUNCAN3 Filed as: JERRY L MCPETERS | 12770 MERIT DRIVE SECOND FLOOR DALLAS, TX 75251 | SYMETRA LIFE INSURANCE COMPANY | — | $23K | $23K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 9.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | SYMETRA LIFE INSURANCE COMPANY | $10K | $990 | $11K | 16.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | VISION SERVICE PLAN | $1K | — | $1K | 4.49% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY SUITE 430 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.35% |
| ROBERT MOSS3 Filed as: ROBERT KYLE MOSS | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $834 | — | $834 | 8.64% |
| JONATHAN SAMUEL SPETNER3 | 8630 DELMAR BOULEVARD SUITE 100 ST LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 6.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 3.19% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 189 | $164K |
| Vision | VISION SERVICE PLAN | 177 | $32K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 186 | $70K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 186 | $70K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 186 | $70K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 167 | $503K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 210 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.