| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 75251 | UNITED HEALTH CARE INSURANCE COMPANY | — | $73K | $73K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LN #15 DALLAS, TX 75231 | UNITED HEALTH CARE INSURANCE COMPANY | $5K | — | $5K | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 86638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41K | $5K | $46K | 10.15% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $4K | $25K | 5.55% |
| MANUEL FUENTES3 | 23910 W INTERSTATE 10 SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 1.50% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $6K | 1.38% |
| BUDDY GLEN DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $345 | $6K | 1.24% |
| DIEGO DE MOYA3 | 1732 VALLEY VIEW LN APT 2102 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $530 | $5K | 1.07% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $722 | $4K | 0.80% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $771 | $3K | 0.75% |
| SANDRA DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $172 | $2K | 0.43% |
| DUDLEY HERRERA Filed as: DUDLEY HERRA | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $38 | $2K | 0.33% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $435 | $589 | $1K | 0.23% |
| RUBEN D PEREZ | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $797 | $84 | $881 | 0.20% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | $586 | $878 | 0.19% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | $127 | $833 | 0.18% |
| LISA D GARCIA3 | 602 CENIZA ST. DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $643 | — | $643 | 0.14% |
| FRANCISCO X CABRERA | PO BOX 1871 FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $42 | $345 | 0.08% |
| MARY BETH HARRIS3 | 12015 MIDLAKE DR DALLAS, TX 75218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 0.07% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $26 | $299 | 0.07% |
| REBECCA G DEJESUS3 | 2028 N 136TH LANE GOOD YEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 0.06% |
| MARTHA MONCKTON3 Filed as: MARTHA LAURA GONZALEZ | 110 N. COLEMAN STREET MABANK, TX 75147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $10 | $264 | 0.06% |
| ERNESTO ELOY GARCIA3 | 2600 YORKSHIRE ST IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 0.04% |
| CRAIG LEE KREUTZER | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $16 | $136 | 0.03% |
| KENNETH B BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $1 | $118 | 0.03% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.02% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $5 | $29 | 0.01% |
| GRACIELA V FERNANDEZ-NEWELL3 | 13325 SPINNING GLEN ST EULESS, TX 76040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| KAREN KREUTZER | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| RAYMOND ROBERTS SEIFERT, JR3 | 600 SOUTH MACARTHUR BLVD COPPELL, TX 75019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| STUART DUNKLE3 | 7316 GRAYSON DR. PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| DEBORAH DAWN YOUNG3 | 502 S. KOENIGHEIM ST. STE. 2E SAN ANGELO, TX 76903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ALVARO RAMIREZ JR3 Filed as: ALVARO RAMIREZ JR. | PO BOX 421293 DEL RIO, TX 78842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE DALLAS, TX 75251 | UNION SECURITY INSURANCE COMPANY | $16K | $5K | $21K | 17.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE STE 1230 DALLAS, TX 75251 | WESTPORT INSURANCE CORPORATION | $4K | — | $4K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 75251 | UNITED DENTAL CARE OF TEXAS, INC. | $568 | $175 | $743 | 13.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, INC. EIN 36-3086057 TPA | Plan Administrator Service code 14 | 200 W. ADAMS ST. SUITE 500 CHICAGO, IL 60606 | $53K |
| MARSH & MCLENNAN AGENCY LLC EIN 36-1436000 BROKER | Accounting (including auditing) Service code 10 | 2500 CITY W BLVD 2400 HOUSTON, TX 77042 | $13K |
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 | 397 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 271 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 235 | $123K |
| Vision | UNION SECURITY INSURANCE COMPANY | 235 | $118K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 235 | $118K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 223 | $58K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 402 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.