| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 75251 | HEALTH CARE SERVICE CORPORATION | $63K | — | $63K | 4.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 9.93% |
| MJ INSURANCE3 Filed as: JAMES HAROLD DEAN | 6 CARPENTERS BROOK RD GREENWICH, CT 068312547 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.66% |
| TIMOTHY C. FLANAGAN Filed as: TIMOTHY C FLANAGAN JR. | 6000 FAIRVIEW RD STE 400 CHARLOTTE, NC 282100209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $604 | $6K | 16.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $466 | $5K | 16.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $448 | $5K | 16.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | VISION SERVICE PLAN | $995 | $0 | $995 | 5.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $124 | $2K | 16.27% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 270 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $145K |
| Vision | VISION SERVICE PLAN | 115 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $27K |
| Long-term disability(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 119 | $80K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.