| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $71K | $5K | $76K | 5.45% |
| KATHALEEN K BAUER3 | 10000 N CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 10.85% |
| MURIEL JERNIGAN3 Filed as: MURIEL MANNING JERNIGAN | 9927 COLDWATER CIR DALLAS, TX 75228 | AFLAC | $1K | $132 | $1K | 5.42% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $308 | $23 | $331 | 1.28% |
| MILTON EDDIE EDWARDS3 | 650 E VISTA RIDGE MALL DR APT 624 LEWISVILLE, TX 75067 | AFLAC | $205 | $26 | $231 | 0.89% |
| ZAKERY ALLEN HARLOW3 | 2960 N ACADEMY BLVD STE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $212 | $0 | $212 | 0.82% |
| MOLOKAI MYLES HAND3 | 3309 WOLFE CT PLANO, TX 75025 | AFLAC | $171 | $0 | $171 | 0.66% |
| JON M HENNEY3 | 1308 STONECREST DR COPPELL, TX 75019 | AFLAC | $169 | $0 | $169 | 0.65% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TN 76266 | AFLAC | $142 | $0 | $142 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $848 | $0 | $848 | 10.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TN 75231 | DEARBORN LIFE INSURANCE COMPANY | $0 | $427 | $427 | 5.12% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | 12 CADILLAC DR STE 160 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $553 | $0 | $553 | 9.99% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 153 | $1.4M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 153 | $1.4M |
| Vision(2 contracts, 2 carriers) | AFLAC | 69 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 103 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.