| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE #1600 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $105K | $7K | $112K | 5.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 7.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 21.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TN 77042 | UNITED OF OMAHA INSURANCE COMPANY | $10K | $4K | $13K | 20.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPNY OF AMERICA | $7K | $0 | $7K | 20.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $924 | $3K | 20.52% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $2.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $33K |
| Long-term disability | UNITED OF OMAHA INSURANCE COMPANY | 270 | $64K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $2.0M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.