| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | NATIONWIDE | $27K | $0 | $27K | 31.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | NATIONWIDE | $9K | $0 | $9K | 11.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $5K | $0 | $5K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | NATIONWIDE | $2K | $0 | $2K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | NATIONWIDE | $884 | $0 | $884 | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | NATIONWIDE | $742 | $0 | $742 | 0.86% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $542 | $0 | $542 | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 419814 PO BOX 419814 BOSTON, MA 02241 | AMERITAS LIFE INSURANCE CORP | $9K | $0 | $9K | 12.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | AMERITAS LIFE INSURANCE CORP | $0 | $650 | $650 | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS STE 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $1K | $171 | $1K | 22.76% |
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 | AMERITAS LIFE INSURANCE CORP | 149 | $70K |
| Vision | AMERITAS LIFE INSURANCE CORP | 149 | $70K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 182 | $6K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 182 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.