| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | QBE INSURANCE | $56K | $0 | $56K | 13.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TN 75231 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.26% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY | 8144 WALNUT HILL LANE #1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $508 | $0 | $508 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $852 | $0 | $852 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STTE 1600 DALLAS, TN 75231 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 19.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TN 75231 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $265 | $0 | $265 | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 12.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $271 | $0 | $271 | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 12.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $543 | $0 | $543 | 5.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $135 | $0 | $135 | 1.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH FIRST TPA, INC. EIN 75-2348381 TPA SERVICES | Other services; Claims processing; Contract Administrator; Insurance services Service code 12 | — | $143K |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 182 | $63K |
| Life insurance | STANDARD INSURANCE COMPANY | 290 | $56K |
| Short-term disability | STANDARD INSURANCE COMPANY | 34 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 33 | $10K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 208 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.