| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-DALLAS | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $158K | — | $158K | 5.48% |
| KEVIN MURPHY3 Filed as: KEVIN PAILET | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | STANDARD LIFE AND ACCIDENT | $2K | — | $2K | 5.00% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LTD | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $2K | — | $2K | 5.00% |
| MIKEL COOK3 | 4100 W. ELDORADO PKWY, #100-112 MCKINNEY, TX 75070 | STANDARD LIFE AND ACCIDENT | $1K | — | $1K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 23000 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.79% |
| KEVIN MURPHY3 Filed as: KEVIN PAILET | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | STANDARD LIFE AND ACCIDENT | $1K | — | $1K | 5.00% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LTD | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $1K | — | $1K | 5.00% |
| MIKEL COOK3 | 4100 W. ELDORADO PKWY, #100-112 MCKINNEY, TX 45070 | STANDARD LIFE AND ACCIDENT | $1K | — | $1K | 4.00% |
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 | 463 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 463 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 463 | $2.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 252 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.