| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 5151 BELT LINE ROAD SUITE 200 DALLAS, TX 75254 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $55K | $68K | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $20K | $25K | 1.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: WACHOVIA INSURANCE SERVICES | PO BOX 203026 IRVING, TX 75063 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH SUITE 1200 SAINT LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE CO. | $15K | $6K | $22K | 13.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNT HILL LANE SUITE 16 DALLAS, TX 75231 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5151 BELT LINE ROAD SUITE 200 DALLAS, TX 75254 | GERBER LIFE INSURANCE COMPANY | $150 | $0 | $150 | 15.00% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 494 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 494 | $2.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 382 | $21K |
| Life insurance | AETNA LIFE INSURANCE CO. | 261 | $164K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 261 | $164K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 261 | $164K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 494 | $2.4M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 270 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.