| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF TEXAS | $12K | $8K | $20K | 16.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $386 | $6K | 19.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $919 | $0 | $919 | 4.95% |
| GAYLA DAWN CRUIKSHANK3 | 2227 SLEEPY HOLLOW TRAIL FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 14.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $854 | $0 | $854 | 10.03% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: THE BLUE ORANGE SOLUTIONS LLC | 2435 N CENTRAL EXPY, STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $294 | $0 | $294 | 3.45% |
| AMANDA LEAH RISNER3 | 8813 PRIEST MEADOW CT MCKINNEY, TX 75071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | $0 | $200 | 2.35% |
| TROY WAYNE HUNT3 | 9908 BITTERROOT DR LITTLE ELM, TX 75068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | $0 | $187 | 2.20% |
| JANIE VELDE BENEFITS GROUP LLC3 | 1900 WICKERSHAM LANE CORINTH, TX 76210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.14% |
| BENINTEL, LLC3 Filed as: BENINTEL LLC | 2535 N CENTRAL EXPY, STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 558 | $122K |
| Vision(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 449 | $60K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 229 | $41K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 229 | $50K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 229 | $41K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 229 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.