| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HCC LIFE INSURANCE COMPANY | $18K | — | $18K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | — | $31K | 11.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75321 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $757 | $16K | 21.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 19.04% |
| DEREK P SMITH3 | 11609 MARION ROAD SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 12.62% |
| TAMMI LAVOICE COOPER3 Filed as: TAMMI L COOPER | PO BOX 609 SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.03% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.96% |
| VIRGINIA C SMITH3 | 11609 MARION ROAD SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $254 | — | $254 | 0.38% |
| HANNAH M. BERG3 Filed as: HANNAH M BERG | PO BOX 1312 FRISCO, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.24% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.19% |
| GREGORY LAKE JONES3 Filed as: GREGORY L JONES | 6400 CROSS TIMBERS ROAD FLOWER MOUND, TX 75022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.11% |
| LANA M KLIMEK3 | 1105 JERICHO COURT KELLER, TX 76262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.11% |
| MARCO JOE KLIMEK3 Filed as: MARCO J KLIMEK | 1501 LBJ FREEWAY SUITE 660 FARMERS BRANCH, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.09% |
| RICHARD W WESTERMAYER3 | 1501 LYNDON B JOHNSON FREEWAY FARMERS BRANCH, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.06% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.05% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.04% |
| MARCO JOE KLIMEK3 Filed as: MARCO J KLIMEK | 1501 LBJ FREEWAY SUITE 660 FARMERS BRANCH, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| T ALLEN HOWDESHELL3 Filed as: T. ALLEN HOWDESHELL | 1405 SHANNAN CIRCLE APARTMENT 103 GRANBURY, TX 76048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ZACHARY K JOHNSON3 | 4600 NORTH 5TH MCALLEN, TX 78504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE CEDAR PARK, TX 78613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| THE GOODSPEED INSURANCE AGENCY INC3 Filed as: THE GOODSPEED INSURANCE AGENCY, INC | 2815 VALLEY VIEW SUITE 115 DALLAS, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $557 | $11K | 21.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $477 | $9K | 21.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH 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 | $371 | $7K | 21.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $281 | $6K | 20.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 14.69% |
| BRINSON BENEFITS, INC.3 Filed as: BRINSON BENEFITS INC | 4851 LBJ FREEWAY SUITE 900 DALLAS, TX 75244 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $696 | — | $696 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DALLAS | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $24 | — | $24 | 10.17% |
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 | 718 | 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) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 710 | $314K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 631 | $76K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,595 | $128K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $42K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $61K |
| Prescription drug | RXBENEFITS, INC. | 787 | $1.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 720 | $1.2M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,595 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,595 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.