| 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 | $194K | $0 | $194K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA ASSURSNCE AGENCY LTD 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 5.41% |
| 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 | $12K | $2K | $14K | 20.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE,A MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $5K | $0 | $5K | 15.18% |
| GAYLA DAWN CRUIKSHANK3 | 2227 SLEEPY HOLLOW TRAIL FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 13.31% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.68% |
| JANIE VELDE BENEFITS GROUP LLC3 | 1900 WICKERSHAM LANE CORINTH, TX 76210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $741 | $0 | $741 | 4.00% |
| BENINTEL, LLC3 | 7223 GREENWOOD POINT DR. CYPRESS, TX 77433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $624 | $0 | $624 | 3.37% |
| AMANDA LEAH RISNER3 | 8813 PRIEST MEADOW CT MCKINNEY, TX 75071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $456 | $0 | $456 | 2.46% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: THE BLUE ORANGE SOLUTIONS LLC | 2435 N CENTRAL EXPY, SE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | $0 | $208 | 1.12% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 628 | $3.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 690 | $329K |
| Vision | EYEMED | 351 | $33K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 690 | $329K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 690 | $347K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 690 | $329K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.