| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS, STE. 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $81K | $7K | $88K | 16.31% |
| MARSH & MCLENNAN AGENCY LLC3 | UKNOWN DALLAS, TX 75231 | UNITED CONCORDIA INSURANCE COMPANY | $45K | $19K | $64K | 14.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE. 1600 DALLAS, TX 75231 | SYMETRA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 14.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | EYEMED | $7K | $0 | $7K | 9.99% |
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 | 883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,307 | $445K |
| Vision | EYEMED | 1,173 | $69K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 873 | $541K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 873 | $541K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 873 | $541K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 677 | $836K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 873 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,307 | — |
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.