| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HITG | $55K | $0 | $55K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 14.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE #400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $301 | $0 | $301 | 0.74% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | $760 | $3K | 13.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 14.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $135 | $0 | $135 | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STTE 1600 DALLAS, TN 75231 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 20.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $112 | $0 | $112 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 14.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $69 | $0 | $69 | 0.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS EIN 90-0058554 TPA SERVICES | Claims processing; Contract Administrator; Insurance services; Other services Service code 12 | — | $9K |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 230 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 31 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 29 | $8K |
| Stop-loss / reinsurancereinsurance | HITG | 176 | $368K |
| Other | TOKIO MARINE HCC | 176 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.