| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC - DALLA | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | UNIMERICA INSURANCE COMPANY | $32K | — | $32K | 5.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - AUSTI | 2500 BEE CAVE ROAD SUITE 125 AUSTIN, TX 78746 | UNIMERICA INSURANCE COMPANY | $25K | — | $25K | 4.41% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE ROAD, STE 14 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 16.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 11.16% |
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL BENEFOT SOLUTIONS | 7412 UNIVERSITY AVE, UNIT 1 LUBBOCK, TX 79423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FLOOR DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 167.25% |
| JOHN J HICKS4 | PO BOX 2342 MECHANICSVILLE, VA 23116 | PREPAID LEGAL SERVICES INC BDA LEGA L SHIELD | $79 | — | $79 | 5.24% |
| THE ROEBUCK GROUP LLC4 | 4240 PORTSMOUTH BLVD STE 459 CHESAPEAKE, VA 23321 | PREPAID LEGAL SERVICES INC BDA LEGA L SHIELD | $41 | — | $41 | 2.72% |
| SMART SOLUTIONS LLC4 | 204 HODDER LN HIGHLAND SPRINGS, VA 23075 | PREPAID LEGAL SERVICES INC BDA LEGA L SHIELD | $26 | — | $26 | 1.72% |
| SHANEEKA TAYLOR PETTAWAY4 | 3303 MARYLAND AVE RICHMOND, VA 23222 | PREPAID LEGAL SERVICES INC BDA LEGA L SHIELD | $11 | — | $11 | 0.73% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 326 | $572K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 453 | $71K |
| Short-term disability | STANDARD INSURANCE COMPANY | 80 | $56K |
| Long-term disability | STANDARD INSURANCE COMPANY | 75 | $44K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 289 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.