| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | QBE INSURANCE | $42K | — | $42K | 13.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY AND BARNEY MMC AGENCY PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.59% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $65 | $65 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD. SUITE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $74 | $9K | 8.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE. SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $109K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 126 | $16K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $139K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $139K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $139K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 1,729 | $303K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,729 | — |
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.