| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | BLUE CROSS BLUE SHIELD OF TEXAS | $51K | $2K | $52K | 3.81% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $12 | $12 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 17 DALLAS, TX 752314388 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $2 | $2 | 0.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | P. O. BOX 3507 LITTLE ROCK, AR 722033507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $319 | $7K | 12.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $140 | $1K | 2.65% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | P. O. BOX 3507 LITTLE ROCK, AR 722033507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $349 | $4K | 9.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $205 | $72 | $277 | 0.60% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | P.O. BOX 3507 LITTLE ROCK, AR 722033507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $223 | $4K | 15.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 752314388 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $393 | $46 | $439 | 1.50% |
| DAVID D HOWES3 Filed as: DAVID D. HOWES | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 13.32% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AL 72201 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 12.08% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. FLOOR 4 LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY, LLC | 2500 CITYWEST BLVD, STE 2400 HOUSTON, TX 770423031 | METROPOLITAN LIFE INSURANCE COMPANY | $125 | $50 | $175 | 1.18% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 10.07% |
| DAVID D HOWES3 Filed as: DAVID D. HOWES | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 8.80% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | P. O. BOX 3507 LITTLE ROCK, AR 722033507 | FIRST UNUM LIFE INSURANCE COMPANY | $145 | $7 | $152 | 13.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 752314388 | FIRST UNUM LIFE INSURANCE COMPANY | $26 | $3 | $29 | 2.55% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 281 | $1.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 343 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 281 | $1.4M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.