| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 240 HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OF TEXAS | $104K | $0 | $104K | 3.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 6.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $14K | 19.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.42% |
| 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 | $6K | 20.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPNY OF AMERICA | $5K | $0 | $5K | 19.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE #1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $2K | $0 | $2K | 9.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TN 77042 | UNITED OF OMAHA INSURANCE COMPANY | $2K | $836 | $3K | 20.44% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 331 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 331 | $2.8M |
| Vision | BLUECROSS BLUESHIELD OF TEXAS | 158 | $23K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $59K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.