| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 752510000 | CIGNA HEALTH AND LIFE INSURANCE CO | — | $128K | $128K | 5.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 75251 | UNION SECURITY INSURANCE COMPANY | $24K | $7K | $31K | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 752512203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $2K | $17K | 12.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | $1K | $9K | 17.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 752512203 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | $645 | $7K | 16.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 752512203 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | $646 | $5K | 17.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 752512203 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | $884 | $6K | 17.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 752512203 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | $593 | $4K | 17.42% |
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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.