| 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 | $8K | $6K | $14K | 17.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 11.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $615 | $0 | $615 | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE #400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $559 | $0 | $559 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 11.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FLOOR DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $285 | $0 | $285 | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $260 | $0 | $260 | 1.53% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | $565 | $2K | 13.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STTE 1600 DALLAS, TN 75231 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 19.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FLOOR DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $133 | $0 | $133 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE #400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $121 | $0 | $121 | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $1K | $926 | $2K | 25.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FLOOR DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $139 | $0 | $139 | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $126 | $0 | $126 | 1.54% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $80K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $80K |
| Life insurance | STANDARD INSURANCE COMPANY | 183 | $36K |
| Short-term disability | STANDARD INSURANCE COMPANY | 28 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 25 | $8K |
| Other(2 contracts, 2 carriers) | WESTPORTINSURANCE CORP | 88 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.