| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | $117K | $134K | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 19.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $669 | $4K | 18.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $840 | $3K | 20.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $569 | $2K | 20.31% |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 524 | $2.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 524 | $2.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 524 | $2.5M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $46K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $19K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.