| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINSON BENEFITS, INC.3 | 4851 LBJ FWY DALLAS, TX 75244 | UNION SECURITY INSURANCE COMPANY | $22K | — | $22K | 11.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DALLAS | 8144 WALNUT HILL LANE 16TH FL DALLAS, TX 75231 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 1.64% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY STE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FRWY #900 DALLAS, TX 75244 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | — | $8K | 16.61% |
| BROKERAGE SERVICES, INC,3 Filed as: BROKERAGE, INC. | 233 W. MAIN LEWISVILLE, TX 75057 | AMERICAN FIDELITY ASSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY STE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY STE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| BRINSON BENEFITS, INC.3 | 4851 LYNDON B JOHNSON FWY DALLAS, TX 75244 | UNITED DENTAL CARE OF TEXAS, INC. | $568 | — | $568 | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DALLAS | 8144 WALNUT HILL LANE 16TH FL DALLAS, TX 75231 | UNITED DENTAL CARE OF TEXAS, INC. | $381 | — | $381 | 1.28% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| BRINSON BENEFITS, INC.3 | 4851 LBJ FREEWAY STE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $222K |
| BRINSON BENEFITS, INC. EIN 75-2796732 BROKER | Other commissions Service code 55 | — | $81K |
| MARSH & MCLENNAN AGENCY, LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | — | $17K |
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 | 1,276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 369 | $230K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 807 | $44K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,276 | $105K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $47K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 684 | $493K |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 1,276 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,276 | — |
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.