| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1101 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | BLUE CROSS BLUE SHIELD OF TEXAS | $12K | $0 | $12K | 0.53% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1101 MAIN ST., STE 802 LUBBOCK, TX 79401 | BLUE CROSS BLUE SHIELD OF TEXAS | $940 | $0 | $940 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 15.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.30% |
| OSGSWT, DBA INCORE GROUP3 | 1101 MAIN ST., STE 802 LUBBOCK, TX 79401 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LN., 16TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 16.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST., STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $124 | $124 | 0.21% |
| THE SCIOLI GROUP3 | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | HARTFORD LIFE AND ACCIDENT | -$922 | $0 | -$922 | -1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | 8144 WALNUT HILL LN., STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $543 | $5K | 15.41% |
| OSGSWT LLC3 Filed as: OSGSWT LLC, DBA INCORE GROUP | 1001 MAIN STREET, STE 802 LUBBOCK, TX 79401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $405 | $0 | $405 | 1.20% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 435 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 435 | $2.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 354 | $143K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 354 | $143K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $34K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 354 | $176K |
| Other | HARTFORD LIFE AND ACCIDENT | 126 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.