| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 15.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 15.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE #400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $313 | $0 | $313 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 15.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $147 | $0 | $147 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STTE 1600 DALLAS, TN 75231 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 20.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $81 | $0 | $81 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 16.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $72 | $0 | $72 | 0.68% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $716 | $258 | $974 | 13.59% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $72K |
| Life insurance | STANDARD INSURANCE COMPANY | 181 | $48K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 27 | $33K |
| Stop-loss / reinsurancereinsurance | SWISS RE | 133 | $356K |
| Other | TOKIO MARINE HCC | 134 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
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.