| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 5.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $565 | $4K | 10.39% |
| JACQUELINE ST HILAIRE3 | 6829 COLONNADE DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $180 | $2K | 5.45% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $128 | $2K | 4.56% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $810 | $522 | $1K | 3.62% |
| WENDY E GUAJARDO-RANGEL3 | 3083 HERSCHEL AVE APT 221 DALLAS, TX 75219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $475 | $42 | $517 | 1.41% |
| SALLY ELIZABETH PARKER3 | 309 WINDMILL DRIVE LAVON, TX 75166 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $392 | $0 | $392 | 1.07% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $42 | $333 | 0.91% |
| SULEIKA BLOOM3 | 152 LAKERIDGE DR. DALLAS, TX 75218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $225 | $66 | $291 | 0.79% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $69 | $214 | 0.58% |
| FRANCISCO X CABRERA3 | 8616 PALMER COURT MCKINNEY, TX 75072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $1 | $117 | 0.32% |
| CAROL A BAKER3 | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.05% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $799 | $799 | 6.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $757 | $0 | $757 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $331 | $331 | 6.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $695 | $0 | $695 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $339 | $339 | 7.32% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 77 | $498K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $5K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 77 | $498K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 211 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.