| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUECROSS BLUESHIELD OF TEXAS | $99K | $4K | $103K | 3.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $19K | $6K | $25K | 15.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $122 | $2K | 9.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $233 | $1K | 8.61% |
| MARK EDWARD CRITES3 | 2911 TURTLE CREEK BOULEVARD SUITE 405 DALLAS, TX 75219 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.20% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 497 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 497 | $2.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 176 | $163K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 176 | $163K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 176 | $180K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 497 | $2.6M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 497 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.