| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $57K | $0 | $57K | 6.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FL 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $39K | $51K | 6.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FL 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS STE 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $14K | $3K | $17K | 19.20% |
| MICHAEL BANNON3 | 8144 WALNUT HILL SUITE 1600 DALLAS, TX 75206 | AMFIRST | $4K | $0 | $4K | 10.00% |
| MWG BROKER SERVICES3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $2K | $0 | $2K | 5.00% |
| MIKEL COOK3 | 4100 W. ELDORADO PARKWAY #100-112 MCKINNEY, TN 75070 | AMFIRST | $2K | $0 | $2K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | SYMETRA LIFE INSURANCE COMPANY | $882 | $0 | $882 | 15.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS STE 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $0 | $100 | $100 | 1.70% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 193 | $1.8M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 193 | $1.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 98 | $14K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 108 | $89K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 108 | $89K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 108 | $89K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 108 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.