| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8244 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | UNION SECURITY INSURANCE COMPANY | $117K | — | $117K | 13.85% |
| VISICOR INC3 | 2500 CITYWEST BLVD 2400 HOUSTON, TX 77042 | UNION SECURITY INSURANCE COMPANY | — | $20K | $20K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 16TH FLOOR 8144 WALNUT HILL LANE DALLAS, TX 75231 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 25.95% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 257 | $844K |
| Vision | UNION SECURITY INSURANCE COMPANY | 257 | $844K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 257 | $844K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 257 | $844K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 257 | $844K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 259 | $1.2M |
| Other | UNION SECURITY INSURANCE COMPANY | 71 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.