| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DALLAS | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | UNION SECURITY INSURANCE COMPANY | $24K | — | $24K | 9.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75321 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $3K | $22K | 23.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.55% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 25.81% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 13.22% |
| DEREK P SMITH3 | 11609 MARION ROAD SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 11.55% |
| TAMMI LAVOICE COOPER3 Filed as: TAMMI L. COOPER | PO BOX 609 SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.23% |
| ROBERT SHEPARD COOPER3 | P.O. BOX 609 SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| VIRGINIA C SMITH3 | 11609 MARION ROAD SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $268 | — | $268 | 0.41% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $213 | — | $213 | 0.33% |
| HANNAH M. BERG3 Filed as: HANNAH M BERG | PO BOX 609 FRISCO, TX 75034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 0.28% |
| LANA M KLIMEK3 | 1105 JERICHO COURT KELLER, TX 76262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.16% |
| MARCO JOE KLIMEK3 Filed as: MARCO J KLIMEK | 1501 LBJ FREEWAY SUITE 660 FARMERS BRANCH, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.12% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.05% |
| MARCO JOE KLIMEK3 Filed as: MARCO J KLIMEK | 1501 LBJ FREEWAY SUITE 660 FARMERS BRANCH, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| T ALLEN HOWDESHELL3 Filed as: T. ALLEN HOWDESHELL | 1405 SHANNON CIRCLE APT 103 GRANBURY, TX 76048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| ZACHARY K JOHNSON3 | 4600 NORTH 5TH MCALLEN, TX 78504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SHELLY WIEGAND3 | 2607 ARMATRA DING DRIVE CEDAR PARK, TX 78613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 23.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.47% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.34% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | — | $6K | 12.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 5.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 13.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $10K | 23.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $934 | $934 | 2.24% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $690 | $690 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | UNITED DENTAL CARE OF TEXAS, INC | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 23.33% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $986 | $986 | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $930 | $930 | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | DENTICARE OF ALABAMA, INC | $203 | — | $203 | 10.00% |
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 | 1,466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 446 | $279K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 220 | $42K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,466 | $161K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $57K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $78K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,466 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,466 | — |
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.