| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $6K | $47K | 21.12% |
| HULL, DAVID G3 | 101 SUMMIT AVE STE 600 MALLICK TOWER FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $756 | $23K | 10.17% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $221 | $6K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $826 | $17K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62K | $4K | $66K | 93.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $408 | $9K | 13.17% |
| HULL, DAVID G3 | 101 SUMMIT AVE STE 600 MALLICK TOWER FORT WORTH, TX 76012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $80 | $2K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $323 | $7K | 13.74% |
| HULL, DAVID G3 | 101 SUMMIT AVE STE 600 MALLICK TOWER FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $945 | $47 | $992 | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $336 | $2K | 3.75% |
| HULL, DAVID G3 | 101 SUMMIT AVE STE 600 MALLICK TOWER FORT WORTH, TX 76102 | STARMOUNT LIFE INSURANCE COMPANY | -$1 | -$1 | -$2 | -0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | FIRST UNUM LIFE INSURANCE COMPANY | $518 | — | $518 | 90.09% |
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 | 1,647 | 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) | 1,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 682 | $7K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,647 | $231K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $65K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,900 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,900 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.