| 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 | $262K | $0 | $262K | 7.08% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 5.00% |
| 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 | $13K | $4K | $17K | 24.49% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $4K | $0 | $4K | 10.36% |
| GAYLA DAWN CRUIKSHANK3 | 2227 SLEEPY HOLLOW TRAIL FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 16.33% |
| ASSURANCE AGENCY LTD3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 13.51% |
| JANIE VELDE BENEFITS GROUP LLC3 | 1900 WICKERSHAM LANE CORINTH, TX 76210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.98% |
| BENINTEL, LLC3 | 7223 GREENWOOD POINT DR CYPRESS, TX 77433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $970 | $0 | $970 | 3.89% |
| AMANDA LEAH RISNER3 | 8813 PRIEST MEADOW CT MCKINNEY, TX 75071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $763 | $0 | $763 | 3.06% |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 846 | $3.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 898 | $325K |
| Vision | EYEMED | 525 | $40K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 898 | $325K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 898 | $350K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 898 | $325K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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.
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.